So, effectively, what happens is that the transaction fees are for the use and the, I guess, privilege of using those services, whether it's actually credit card or contactless payment, and it is literally passed down from the issuer, the bank, who actually goes through, for example, the Visa or MasterCard who actually provide those cards, and the system that actually provides the transaction infrastructure, effectively, means that us, the users of these cards, end up paying for the service. What literally happens is that apparently in New Zealand we pay the highest fees compared to our close neighbours. 