I think it's also important that we look at the fact that the Commerce Commission will now be involved, because do we really have that much competition between the major providers of interchange services, between the Visas and the Mastercards? No doubt they believe that we do. But if you're a merchant, do you really have that sort of competition? Do you really get to choose who you use or what you pay? The answer is that, for many people, they actually don't. So I think it is important that we accept that this will help some small businesses, those that are still going. It will, however, not solve the problem. It will not reinvent the way in which business operates. It is simply accepting that there is no good reason for New Zealand to be paying double the cost of Australian businesses to do the same thing.