 for users in the European economic area. So those rivals will be able to create their own contactless payment systems, if you like. They have to do it by the 25th of July. If it hadn't, it risked having to open up its own wallet, because the fines are potentially pretty eye-watering, and 10% of global turnover, that would be about $40 billion. But those kind of top-notch fines are somewhat rare, but certainly a lot of money.