ANDREW BAYLY (National—Port Waikato): Thank you, Madam Chair. We're moving so rapidly with this bill; it's a fascinating conversation, today. I just want to turn now to clause 12. This is the commission's recommendation to the Minister that a retail payment network should be designated, and the Minister said earlier in his contribution, before the dinner break, that Diners and Amex were not part of the designation. This is set out in Schedule 1, I see at the back here, where MasterCard, both its credit and debit facilities, are designated under the designation order; this is Schedule 1. And Visa is designated, both in terms of its credit and debit products. My question to the Minister is: what's the threshold that might lead to a designation occurring? 