So in December 2020, I began looking at the merchant service fees regime and the broader retail payment system, and the findings of the research generated by officials as we looked broadly showed that the system could indeed benefit from regulation. The first finding was that the costs merchants are charged to accept some payments are indeed high. Evidence shows that in many respects, some of our payments are parallel to what happens in Australia, but they're actually about twice as high for credit card payments and for online debit transactions. 