The second thing relates to what is termed about rules, and this is covered under clause 19 of the legislation, which I'm desperately trying to find. These are the rules around when there is a change to the rules that may be imposed by the Commerce Commission, what is the process for actually doing that? And I can't find my—oh, yes I can. So we were very concerned about this because, if you think about it, organisations like Amex, VISA, and Mastercard are large global players. New Zealand is a very small part of their global business, and the thought that the Commerce Commission could be imposing new rules in New Zealand that would lead to a situation where VISA or Mastercard would have to change their entire global protocols to fit for New Zealand was an unlikely proposition, and actually going to lead to some real issues. 