However, in the case of this particular bill, I think that the responsibilities are well outlined, and both the Reserve Bank and the FMA are aware of where they are. It will be, obviously, for those who operate FMIs to be able to be aware of that—all of those people already interact with both the Reserve Bank and the FMA, so I don't think there'll be a major problem there. But the member is alluding to an interesting wider issue around the different roles of regulators in our financial system, and I'll more than happily engage with him on that in the future because I think there is something in that.