Anyway, there are good parts, as the Minister talked about. Just to be very specific—if people are listening at this stage to this third reading, which means it's going to pass tonight—there's going to be a cap on the interchange fees. As the Minister quite rightly said, interchange fees are the major part of merchant fees, so there's a cap of 0.8 percent on credit card transactions, 0.6 percent for online debit card transactions, 0.2 percent—or 5c per transaction—for a contactless debit. So what this means is that if you have a Visa or MasterCard, they will be subject to these fees. Just to be clear, Diners and American Express (Amex) are not included under the current regulations, and I do stand to correct a comment I made at the second reading. Amex weren't covered by this arrangement in Australia when it was put in place—and, of course, this is mirroring what went on in Australia. But none the less, this bill gives the Minister and the Commerce Commission to recommend, of course, that if one of those entities should be part of the regulations, then the Commerce Commission will have to recommend it to the Minister.