I do just want to acknowledge the concerns from some who pointed out that even though this bill does provide regulation in terms of crisis powers, there is still the question of what happens if Visa or MasterCard go down, because increasingly they are core to our consumer payment system, and yet they aren't covered in the same way by this bill—and I think it's worth noting that in the Hansard and noting the concerns that have been raised by some about that; although we fully acknowledge that those are independent market architectures that stand separately for good reason.