I do want to take this opportunity to correct a statement I made during the second reading, that I was under the view that Amex had been, effectively, designated or included in the provisions in Australia, and I now understand from them that that is not the case. But, in light of that, I'd be keen to understand from the Minister what might be the threshold, given both Diners and American Express are already operating in New Zealand, albeit maybe with relatively low market shares. But what is the test going to be? And I know that it sets out in clause 12(2) that in deciding whether to make a recommendation, the commission must take into account the features of the retail network, the nature—including the number, value, and nature—of transactions, and the Financial Market Infrastructures Act. But, really, I'm trying to understand: what are the broad thresholds that the commission might look at? Do you have to have a market share of 10 percent, 5 percent? What is deemed to be the point at which you might be contemplating—one of these other networks or, heaven forbid, we might get a bit of competition and more people, although the Minister was pretty reluctant to address the question earlier about how this bill is going to bring about competition. But what are the broad parameters that would mean that a network might be deemed to be necessary to be designated? 