So I'll just touch on what it is we're technically talking about and what the bill sets out to achieve in the first reading. So the infrastructure legislation here, the financial market infrastructures (FMIs), refer to multilateral systems that provide trading, clearing, settlement, and reporting services in relation to payments, securities, derivatives, and other financial transactions. So that pretty much runs the whole gambit of financial interactions in markets in New Zealand. As, also, the previous speaker noted—although I think that she implied that it was this year—in 2016, in the retail and wholesale markets of those financial transaction markets, there is $35 billion of payments moving through those wholesale and retail markets every single day. That was a 2016 figure but it puts it in perspective. From memory, you're talking four times New Zealand's GDP in total over a year—it's quite a significant sum of money. It gives you an indication of just that financial system mechanism's importance to the New Zealand economy and our sound operation.