The longer-term strategy that's embedded in the bill is the empowerment of a regulator—in this case the Commerce Commission—to respond to competition or efficiency issues as they arise in the markets. So, essentially, we're futureproofing here but also giving them the powers to investigate once a payment network's been designated to dig into it and to make further decisions about how it should be regulated—make sure there's transparency in the system, and so on. So the Commerce Commission are given regulatory tools through the passing of this bill and those tools—as I say, the process for designating networks which the commission can then regulate—are designed to be flexible and responsive as the retail payment system continues to evolve over time.