There's a second point that I'd like to highlight, and that is the fact that this bill provides a framework that would bring the regulation of FMIs in New Zealand broadly into line with international standards. We heard from the speaker Judith Collins around the IMF and other international agencies who have been talking with New Zealand about needing a bit more regulation. So in a way we have been a little bit of an outlier compared to many other OECD countries. So it's good to see that we are coming into line with international standards in a sensible and proportionate manner that avoids unnecessary costs. And we heard from the speaker before that we do have to be careful around regulation, and I absolutely agree with that. But carefully placed, sound regulation certainly will help to ensure the robustness of our financial systems, which is absolutely important. We all rely on these financial systems.