The second thing, in relation to my question—it was quite a specific question, it was actually related to clause 3, the purpose—and I've read it out to him just to be very helpful to him. My question was: how does this Act promote competition efficiency? Not in the general economic or "New Zealand Inc." perspective which he responded to, around what Labour was doing to help New Zealand businesses—but the purpose relates to the retail payments system. So what does it do to promote competition efficiency? I understand where the bill seeks to reduce the cost of certain elements, but that's different from promoting competition and efficiency. And how does this go about actually allowing other network operators to come into New Zealand and making sure that we are ending up with an even lower cost that is driven by the market rather than through regulation, which is the chosen method that the Minister always likes to take in relation to the financial markets industry: regulate, rather than allow the markets to operate more efficiently?