So we believe we need a bill that's fit for purpose. Elements of the bill in terms of charges are acceptable, but the actual role of the Commerce Commission is not acceptable. And if you want to save money in the marketplace in New Zealand with regards to charges, you have to take in a holistic ability, which has been disturbed by the Government's handling of the Credit Contracts and Consumer Finance Act (CCCFA), that people use these charging services for cash flow for their businesses as well. Right? So sometimes they're really willing to take this payment because that helps them run their business day to day, and so as long as they're getting the benefits and as long as the Commerce Commission isn't stopping that—but we know with even getting a credit card now, it's extremely difficult under the CCCFA.