It's interesting to note, and the Minister did talk about it in his speech, that since we've seen the advent of COVID 24 months ago, we have seen quite a decline that has voluntarily been put in place by VISA and Mastercard in terms of the fees that they've chosen to reduce to make it more acceptable during the period of COVID, when most people—and certainly people if you were going in to try and buy some groceries or whatever—didn't want to see cash, didn't want people to deal in cash, and therefore many people were relying on their credit cards or their debit cards to be able to pay for their goods or services that they were trying to buy. 