My question is that you said they're doing that in other places, but if they're not...because part of the technology, to my understanding, is that the technology has to have the security so that if a consumer uses a credit card, it's secure, and we're not dealing with fraud. In a lot of jurisdictions, for example the U.S., that don't have the more secure transactions, they actually are paying more because there's a greater risk.
In response to your question, you talked about jurisdictions that are doing it and offering it cheaper. Do Australia or the other jurisdictions that are cheaper have chip and tap technology?