So, for instance, if you wanted to take on a fixed loan at a certain rate in a certain currency, and you were forced to do that—let's say borrowing in New Zealand dollars—you may at one point want to swap that out for Australian dollars and use a different interest rate. You can use derivatives to design the instrument that you actually, ultimately, want. Banks are the prime users of derivatives, but not exclusively so. A lot of our large financial institutions, ACC, all use these types of products to manage their risk and to, in a way, enhance their returns.