Now, the initial measures target card products issued by MasterCard and Visa because they cover the lion's share of the market for retail payments. With the other schemes present in the market, some of them don't have interchange fees—they have different models—but we think that this will make a significant difference. That initial pricing standard will commence six months after the initial enactment of this bill, and that allows regulated parties sufficient time to ensure that they do comply with the new standards. Those standards are meant to be an initial and interim measure while the Commerce Commission gets up and running, and then it will be able to adjust—