In respect of the member Damien Smith's contribution, he raised again the question that was covered in previous readings around why we're regulating MasterCard and Visa and not American Express or Diners. The reasons have been canvassed in the House before, but I think it's useful to air them again. That is in large part because they're a very small part of the market. They don't charge interchange fees, which is the thing that we are regulating here, but they can be designated. The Commerce Commission will have the power to designate them if it feels that is becoming a problem issue there. But I would acknowledge as well, while the other cards have capped fees in order to be competitive in the market, those smaller players will have to adapt to the conditions. 