You see, Minister Clark just said that actually the fees that merchants pay when it comes to credit card transaction in New Zealand compared to Australia are higher. What he didn't tell the consumer was rents are higher in New Zealand than Australia. House prices are higher in New Zealand than Australia. Food prices are higher in New Zealand than Australia. Petrol is higher here, transport costs are higher, cars cost more, hotels costs more, electricity costs more, doctors visits cost more, medicine costs more—but don't worry, we're going to set a standard for the amount that Skycity can charge you as a result of the card that you may use when you get there. 