The Minister has outlined what the bill does, so I won't go into that level of detail, but just to say that this is a piece of legislation that will make a significant difference for our small businesses. I'm thinking of the dairy down the end of my street. I was recently in there with my son, purchasing some food, and I spoke to the dairy owner about it and he said, "Very much looking forward to this piece of legislation." Many of us when we've been to, particularly, a dairy or a very small business, we've seen on the EFTPOS terminal "No credit." The reason they say "No credit" is because, when you pay by credit card, the owner of that store has to absorb that cost, often up to 3 percent of the sale. So the reason that we are putting this through is so that people can use their credit card, they can use the payWave, and the fee to the business owner will be significantly smaller. It's an excellent piece of legislation. I commend it to the House.