Overall, the package considers selling services in the marketplace where you've got retail sales of $100 billion, so a 20 percent reduction in credit card interchange fees is equating to the figure that the Minister's promoting. The biggest risk here is that the model relies on providing the Commerce Commission with tools, but the practical applications of these powers have not been ascertained, and the legislation needs clearer objectives. We think, to reduce systemic risk, the Financial Markets Authority should have a look at this after two years.