In respect of Ricardo Menéndez March's question around how savings are passed on and, given the regressive nature of some of these fees, I think that is worth picking up. And the point I'd make is that EFTPOS is free to merchants to use, including small merchants. Often you'll see with small merchants they say "no payWave" or "no credit", and they apologise for it. It's because they can't bear the costs of doing business associated with those other networks. And under the designation here in the bill, EFTPOS will remain free. So actually one thing people can do to help support small businesses, which are often local or doing it tough, is to use EFTPOS where they can. Of course, payWave, in times where we're concerned about a pandemic, has its merits too, and that doesn't have particularly high fees. So we are regulating to make sure that they do not go higher. But there is a regressiveness built into the system currently whereby often those who are using those methods are, effectively, subsidising those who have rewards systems through some of the more sophisticated credit card networks. And we want to put a cap on that kind of behaviour, and that's one of the things this bill achieves, so I do thank that member for raising that issue.