I'll start with the first question, and maybe some of my bank colleagues will wish to step in.
Your first question, sir, was on the question of interchange and how it's set and all that. Again, you're absolutely right: you predicted that we will say that the banks do not set that rate. That is the card companies.
I think it's broadly known that.... What is their product? The product of the card companies is the network. They're interested in trying to drive as much traffic through that network as they can. Their mechanism for that is the interchange. What they try to do, as we understand it, is set the interchange to balance it. They have to make it attractive enough for issuers to say, “Yes, we'll take that card”, but they also have to make it attractive enough for merchants to say, “Yes, we'll accept that card”. It's that balance between the two.
The question is, have they set it right? That's a matter for the card companies, but they do try to achieve that balance so that they get flow-through on their network.
Would any of my colleagues like to elaborate on that, or do we want to move on to the second question?