I note that the select committee has recommended a number of changes to the bill. Those changes aren't significant policy changes, but they do represent minor tweaks and, I think, improvements to the bill, which I trust will enable the legislation to work better. So as previously noted, the initial pricing standard will require Mastercard and Visa, as well as banks and other card issuers, to reduce interchange fees, which are generally the largest component of the merchant service fee. The bill now states the commercial credit card payment products, which are intended to be excluded from the initial pricing standard—the fees cap will not apply to credit payment products issued to a business and used exclusively for their businesses' commercial purposes. However, for the sake of completeness, if a business customer is issued a personal credit card that they might use for mixed purposes, the card will be captured by the initial pricing standard.