What is important to also remember—and Andrew Bayly alluded to this, I thought, very well—is that the move has been made, during the pandemic, away from cash to card. That is simply a fact of life. Even though cash is legal tender, and even though people should have to be able to have their cash accepted, the practice has now come, in many businesses, whether it's a cafe selling coffees and lunch, or larger businesses, where they won't accept cash. Primarily, that is around fear of COVID.