However, it goes back 14 years, so it has taken longer to deliver than passengers would have liked. 10:15 I come back to the point about whether the provisions in the bill will be sufficient to deliver what we are trying to achieve, which is a Scotland-wide smart card like the Oyster card, particularly for people who will never have a bank account—young people and children do not have bank accounts—and the ability for people to use their bank card to get around Scotland.