A lot of changes made in the select committee—I think some of them are very good, and I thank all colleagues across the House in terms of making those. One of the big things is MasterCard and Visa are large, internationally arranged businesses. New Zealand needs to be careful that if we're going to impose regulations on a global operation, then we need to be mindful that we are at a very small end of the global arrangements. So one of the important changes the committee did make is the process for the Commerce Commission, how it would engage with those network operators to make sure that any changes—if they were so sought in New Zealand—could be put in place where appropriate, because the last thing we'd want is some of those credit card operators to pull out of New Zealand.