Thank you very much. That's a very helpful response.
I want to move to Mr. Hansen.
You have clearly done a lot of advance work on this opportunity, with your papers and whatnot, and previous work.
You're not in the financial sector per se; you're not with a big bank. What's your perfect vision for strengthening our financial services sector to embrace this opportunity, and as Mr. Boleat said, perhaps enabling many international banks to embrace this opportunity with us?