We've heard from various speakers around the importance of sound and efficient financial systems. Generally speaking, we do have sound and efficient financial systems, but we have heard for a number of years from agencies like the International Monetary Fund, and particularly work done by the Reserve Bank, that we do need a bit more regulation. Hence this bill has come to the House. I acknowledge the Minister Grant Robertson for bringing it to the House, and I acknowledge the previous Government for the work they did on this bill as well. It's good to see that there is cross-party support.