Mr. Speaker, there are two points about a code of conduct. One is not whether it is voluntary or not; it is that it is obeyed. The code of conduct that we have devised, and this is the second point, with the support of consumers, with the support of the financial sector, on consent at the end of the day, has the support of all the parties and is obeyed, is complied with, precisely because of the process that we used.
With respect to payments, we have the report of the task force. I am glad the private sector is innovating, but at the end of the day the government makes the rules.