There is no rationale to allow high, unjustified costs on merchant transactions, particularly in the COVID era when many businesses who want to do the right thing—in terms of a public health response, they are limiting or restricting cash transactions—get stung by this because there is no alternative. This Government is acting on it. We campaigned on it. And I can say with the utmost sincerity and honesty that when this policy was announced, I was contacted by local business owners in Wairarapa who said, "Good on you. This will make a big difference for us." Small business: this Government is delivering on it. We are being consistent in our support for small business. And Chris Baillie may laugh, but he wants to support small businesses. The wage subsidy has supported small businesses, the Government continues to support small businesses, and this bill will do exactly that.