So clearly this bill—and we'll talk more about it when we get to the subsequent parts of the bill—imposes specific costs, or caps the cost that can be charged on the interchange component of a merchant fee. But what I'd like to understand from the Minister is, given the intent of this bill—which is to limit cost and be much more prescriptive around who can be a network operator and the rules that must apply—how in the dickens does this bill help promote competition and efficiency in the retail payment system? Because if you're a retail payment operator around the world, you'd look at this bill and go, "Gee, that's a lot of regulation." Albeit we might be bringing ourselves up to other jurisdictions around some parts of the world, but I don't see how this is actually going to promote competition and efficiency. Because many people would actually argue this is actually not going to do that—we're going to get a reverse outcome. So I'd be keen to understand the Minister's view on that.