One of the points I'd like to make is the importance of ensuring that all parts of this system have regulation attached to them, so that's the totality of charges that are faced on a transaction—including payWave, credit and debit card fees, and the interchange fee that has been talked about tonight, so that, for example, a merchant, a bank couldn't perhaps see one set of those fees reduced and then increase another fee to cover that. So one of the things that the select committee has done, which I think is very good, is they have looked at that totality of charges to ensure that there is fairness in the system. 