What I want to just talk about is a couple of little things—first of all, the exclusion of Amex. The Minister did address that in his speech. At the moment, it refers specifically to Mastercard and VISA. Amex has not been included. It has been included in Australia, and they realised that it needed to be included. Amex has quite a smaller market share—we were informed it was less than 10 percent—and the view is that Amex could be captured by this Commerce Commission if it so chooses. There's a big question why it's not included at this point in time; albeit it is a relatively small market player but it's still a reasonably important market player, and the reason why we've excluded it yet Australia has deemed that it should be included—it raises some issues around that approach.