I look at the different systems around credit cards and fees, and, to be honest, you know, there's early adopters, there's the early and late majority, and there's the laggards. For many things I'm a bit of a laggard, to be honest, but for many things I'm an early adopter when it comes to social change, when it comes to technology and systems. I do remember particularly payWave when it was introduced, and thought "What a ridiculous, stupid, weird idea. It's fast enough doing your four digits and pressing your buttons—that type of thing." But now I can't do without payWave. It's just something we use all the time. It's been great that we have ensured that we froze payWave fees at this time, obviously, in a global pandemic, to ensure the safety of our people. But this piece of legislation is ensuring that we get it right when it comes to merchant fees.