The Government's made the decision to empower the Commerce Commission. It's now got to stand by and deliver these savings. The reduction in interchange fees and merchant services fees allows us to actually have some benchmarks, which will show us how those suite of powers have worked and how they have recommended to the Minister how they're going go about their business. The Commerce Commission will be able to determine and issue directives, regimes, access for new participants. And we think it's going from, as Kirk Hope said at BusinessNZ, what should have been a very light-touch mechanism to something now that's really heavy touch and brings into question the actual efficiencies that were marketed and promoted by the Labour Party in its manifesto. So we are not convinced.