So competition appears to be lacking in some aspects of the market. The largest retail payment networks are dominated by a few large banks who service both sides of the transaction. They sell payment products to consumers and charge merchants for processing payments that use those products. The various participants in the payment network are often incentivised to keep fees high. Moreover, difficulty accessing network infrastructure is thought to be stifling innovation and the entry of new competitors. So I expect parties in this House that support competition will be right behind the changes that we're making here.