But given that the Commerce Commission has the ability to designate schemes, I'd say—those that are already in the bill—it would be good to get a stronger commitment from them that they will actually monitor the costs of the unregulated system and will be beneficial for merchants and customers. And this is one of the important things for Governments to ensure, that they're active in ensuring a level playing field while actually delivering these savings. And if you crunch the numbers, it does look like we have Peter robbing Paul, where we've got a $15 million business empire created, again, at the Commerce Commission, to collect $75 million. And that is even questionable, whether that $75 million will actually get to the merchants or the consumers, if you divide it by the number of transactions that are occurring electronically and digitally in New Zealand.