However, although the initial cap on the card fee—reducing it's a really, really good first step. But in terms of retailers and small businesses, as Andrew said, they have been hit really, really hard. Even before, they were doing it tough before COVID-19 actually hit. But even with COVID-19, before the Delta lockdown happened, 12,000 businesses closed permanently. I think what we were actually saying is that if the Government is so focused in reducing cost and improving the lot for small businesses, there might be better things that they could have done instead of just reducing the cap for the interchange fee—that's what we're actually talking about.