The select committee, as I mentioned, has helped to ensure these provisions are effective, anticipating attempts to game the interchange fees by compensating card issuers, because we wouldn't want to see those interchange fee caps gamed in any way that might be attempted to do that—for example, compensating card issuers for reduced income through other methods. So I do thank the select committee members who have worked on that and produced a more watertight way of dealing with what are called waterbed effects, as it happens.