One type of financial market infrastructure is a payment system. It's a payment system that needs to operate smoothly and effectively, and it's a payment system that everyone needs to have a degree of trust in, to ensure that all transactions happen smoothly on an ongoing basis. For people watching at home, the payment system that you're most likely to be familiar with is EFTPOS—the EFTPOS system, a system that most of us use every day. It is probable that under this bill the EFTPOS system will be regulated as a financial market infrastructure. So payment systems are financial market infrastructures.