So I think it's really quite valuable in terms of the opportunity that it creates for more entrepreneurship in New Zealand, but you do need to have clear rules of the game, because as the Reserve Bank identified in their initial briefing to us at the Finance and Expenditure Committee, one of the dangers is that if you've got a group of financial firms who own a particular clearing house, there's the possibility that they will actually use that market power to the exclusion of new entrants, and that is bad for everybody in the long term. It's particularly wrong when, actually, it's only the Reserve Bank's licensing that put them in a position to own that payment system in the first place.