But, as we discussed, we still have a couple of concerns around the competitive landscape in this bill. In the ACT Party, we like to promote a transparent market with a level playing field, so one question I have which we'd like clarification on is that the bill only regulates MasterCard and Visa, and not other card payment systems such as American Express or Diners Club. Just to declare an interest, I do have an American Express card and a MasterCard, but with an American Express card, as an example, there is a higher cost to small business. Leaving them outside the payment system regulation increases the cost to small businesses, especially if their usage grows, and it's not just one card but there are a series of companion cards you can get, as well. So we'd just like to ask the question that the Minister will ensure a level playing field, just like other jurisdictions in Europe and Australia that have included American Express in their regulatory frameworks. 