While I don't claim any great expertise, I think we can actually do a bit better in talking about what this legislation does and why it is necessary and broadly a good idea. There are a few trends in the financial sector that are important. One that's been going on for several decades is that computerisation and then the internet have meant that we have a much higher velocity of transactions, a lot more participants with a lot more financial products. What we've just seen with GameStop, what we're seeing with retail investors, are just some high-profile examples of those trends. And that means that there are a lot more possibilities for different people coming together, and when they come together in financial markets, they often require a clearing house or some sort of meeting place where they can transact. We have quite a number of those. They've traditionally been regulated by the Reserve Bank of New Zealand Act 1989, but, clearly, the possibilities of market failures have grown, and the need for certainty and clarity and, potentially, crisis management has grown. So giving the Reserve Bank and the Financial Markets Authority (FMA) jointly and separately, depending on whether they agree to regulate a particular financial market infrastructure together or apart, is actually a very good idea.