So in the 1970s and 1980s, when credit card use was a growing but very manual process, it was probably quite acceptable to the merchants to have what was then a 3 or 3.5 percent service fee in return for the fact that once that transaction was completed, it was guaranteed payment into the merchant's bank account. Now, if you fast forward through the advent of the ATM and then the EFTPOS machine and then tap-and-go technology, we are long past the point where there was any risk, firstly, either in cheques—because I don't know if anybody writes a cheque these days. Most banks don't even issue them. So there's—