Certainly, a competitive landscape ensures any savings are passed along to the consumers. I think we've seen that in some of the tariff relief that has been introduced by the government, to draw an analogy. But some of our concerns are.... Indeed, there may be savings resulting from the ones that you outline, Mr. Saxton, but we want to ensure that additional costs don't creep in.
I've mentioned the way the payment is treated: to ensure that it's treated as a card-present transaction, not a card-not-present transaction, because there's an additional charge that is put in to the retailer when it is a card-not-present transaction. Depending on the type of card and the network the retailer is using, that can be an additional charge of anywhere from 10% to 18% if the mobile payment is indeed treated as a card-not-present transaction.