Thank you, Mr. Wilkes.
Mr. Hannah, we have CFIB saying that was a disappointment, the RCC saying it was a disappointment, and then the CBA saying this is a win. Especially when we were looking at the release that contact lists, cards, also benefit merchants, make it easier and faster for customers to make purchases.... That's what we're talking about. So we have concerns by, I would say, the two largest small business organizations in the country, and then the banks are also calling this a win. Does the CBA not see there's an issue here, and that it needs to be addressed?