Now, there is no question that actually where there is a charge, it should be fair, it should be equitable. I do notice in some of the submissions that have already been received in the one year the Minister has been considering this legislation to fix it for consumers that actually the transaction costs by two of the credit card companies he mentioned, at least on their network, Visa and Mastercard, have fallen by almost 18 percent. That suggests to me something's happening in the market, probably around competition—could be a number of other things. But, in effect, there are so many other things that this Government should be doing to help consumers than this very, very small piece of legislation that the Minister spent 10 minutes talking about. 