Thank you very much.
I would like to shift gears now and go to Ms. Kothawala from the Convenience Industry Council.
You've mentioned quite a few times now the problem of credit card fees. I haven't quite got my head around where you're coming from. I've heard that other countries, such as Australia and the EU, have capped their fees and that there needs to be a cap on fees, but I also believe I heard you say that it's not enough to just cap the credit card fees because hidden fees and costs will creep up another way.
Are you in favour of the government putting a cap on the credit card fees? What should the government do when it comes to the credit cards?