So, I think, first of all, we should acknowledge there has been a decrease in fees quite substantially already, but the background prior to that is New Zealand retailers, in the main, have been paying too much, and this will lead to a decrease. There's talk of probably about $13,000 for a retailer, on average—although I'm not quite sure whether that is pre or post the recent declines in the voluntary reductions imposed by VISA and Mastercard. All that's good stuff, and we will be supporting it on that basis. 