They also facilitate the transactions of buying and selling of financial products. That includes payment systems—things that people would perhaps be a little bit more familiar with—but it also includes the settlement systems, which are a critical element of the way that our financial system works. This is the arrangements both between banks, and between banks and the Reserve Bank as well: central security depositaries, trade repositories—all of the things that enable financial transactions to take place. What we're doing in this piece of legislation is establishing a new framework for the regulation of these financial market infrastructures in New Zealand and actually closing a gap within our regulatory system and broader economy.