There's an imbalance here that drives, of course, to shop owners. We believe that all the systems within the payment category ought to be treated equally and that the Commerce Commission should be sensible and consider the impacts to innovation and competition in their overview of changing practices in just a New Zealand context, and it isn't. I haven't seen any cost-benefit analysis comparing this to Australia on a like-for-like basis. You do get discounts for volume. That's just how it works in terms of big business versus small business. But small businesses are the ones that benefit from the liquidity of being able to use credit cards and service cards to actually take money instantly from the customer.