Having seen the speeches earlier in my office, initially, and having listened to Andrew Bayly, I have to say that I agree with him when he says that this Government gives with one hand and takes away with the other. This Government talks about how $74 million in apparent savings is humongous, considering the fact that they've just slapped on $3 billion of cost to retailers and small businesses. So when we're comparing $3 billion and $74 million, I'm not so sure which is actually the greater benefit. I'm sure that the $3 billion cost is going to be something that a lot of retailers and small businesses will be very, very upset about, but any little bit that can help retailers pay less in the transaction fee that is charged on to customers and consumers, I am here to support. So I commend this bill to the House. 