I think what I've heard from communities echoes what I read in a Newsroom article where they analysed the results of a Retail New Zealand survey in 2018. The numbers there were really horrifying. They found that the retail margin was about 3.7 percent—much lower than I think a lot of people realise for many small to medium sized business in particular. What that meant was an average profit of $96,000 of which, on average, those businesses were paying $26,000. This is not just dollars and cents that mean nothing; this means a lot to those small and medium sized businesses. What was especially horrifying is that the article made the novel point that when a cardholder's bank is the same as the store's bank, the bank is getting its share of that 1 percent of sales by moving money to itself. So really horrific—we knew that something needed to change. That is what this bill's about.