Hon MICHAEL WOODHOUSE: Ha, ha! I won't even repeat that to put it on the Hansard—or maybe I just have. But, obviously, there's guaranteed payment through the EFTPOS system, and, of course, there's no advantage to the merchants with the tap-and-go system for Visas, because they already had a guaranteed payment. The banks, of course, had the great benefit of not having to process manually those millions of bits of paper, and so they, I think, for years have been generating merchant service fees for a reason which has long since been made redundant. As Mr Bennett said, I think, the cost was something like about $74 million, not on the merchant; almost probably three quarters of those costs are passed on to the customers. One could argue that the customer has a choice not to use their credit card, but it has become a very convenient way of paying and then getting interest-free credit for 55 days. So there is actually a real benefit to doing so.