Of course, what the Commerce Commission will have the ability to do is to review those fees to make sure they're appropriate. And, generally, you know there is a reasonable amount of support by Retail NZ, the Restaurant Association, but not everyone thinks this hard nut of writing a new piece of legislation is actually required. In many cases, other jurisdictions have looked at just making sure that the regulations around this are appropriate, without having to go to the extent of spending Parliament's valuable time ramming through this piece of legislation. A number of the banks were of that view. 