ANDREW BAYLY (National—Port Waikato): I think the Minister was preoccupied when I was addressing the issue. I think he was talking to his advisers. I did refer specifically to clause 12(2)(a), (b), and (c), which he's just conveniently repeated back to me. That wasn't my question, Minister. My question is: what are the broad thresholds—and I use the tests around market share, because presumably there comes a point—and I know this specifies the criteria that might be used, but it doesn't actually give an indication. Does American Express, if it had the 5 percent market share—would it be likely to be regarded as an entity or a network that would be required to be designated? That's what I was trying to get, the broader picture, rather than just repeating back what I've just repeated to him. 