I'll briefly just tell people that in 2012, I remember that in the summer holidays of uni, I was in Sydney. That was probably the summer that contactless payment—Visa and Mastercard payWave—was introduced into the New Zealand economy. I still remember very vividly that I was in Australia. Over probably the course of that one summer, the whole entire Australian economy had almost entirely shifted to contactless. They were going through the queues faster, they were going through the shops needing less assistance, and everything was being done at a much faster pace. 