The final part of our question set is that the interchange flows between the merchant bank, the cardholder's bank. In other markets which have regulated a reduction in the interchange, it has not been clear that the savings have actually been passed on to the merchant banks or to other participants in the ecosystem. So actually being confident that retailers and consumers will get that is questionable, and in terms of the cost-benefit analysis, there seems to be a lot of money to set up the administration of this, whereas if you take the millions of transactions that are out there, the savings are relatively low. All of the main issuing banks in New Zealand are also acquiring banks, so they're all superior to just issuers or just acquirers. So the final part of the question is: what guarantees do we have that the proposed $74 million will not get stuck in the system and will get to businesses and consumers? Thank you. 