So, just to recap those, in terms of network operations, we are about to set a standard that in 140 countries around the world doesn't exist for Mastercard and Visa, and if we bring American Express into that as well. Now, that, to me, is not well-thought-out by MBIE. Don't know why the Minister took that advice, and it's impractical. The Commerce Commission should not interfere into the rules that govern this network.