The other thing is the timing of changes. The bill provides for the changes being made within six months of the bill coming into law, and becoming an Act. Providers, particularly VISA and Mastercard, are concerned about this because if the bill goes through committee of the whole House and then the third reading in the next month or so—if you put six months on top of that, what we'll end up with is actually entering the stage of blackout of IT services, a common term where banks and large institutions choose not to make substantial IT changes. Of course, that would be during the Christmas period—late November through to late January—and so this bill's timing actually may lead to an issue where it cannot be executed and actioned by the very people it is required to. So I think we will be putting up some Supplementary Order Papers about looking at the delay of this bill, depending on when it passes through the House and, of course, that's up to the Government to decide that framework. But, as we say, we will be supporting it, but it is not going to largely change the cost structure of small businesses in New Zealand. 