INGRID LEARY (Labour—Taieri): I'm not sure if I'm speaking on the same piece of legislation as that member, because this bill is all about competition and it's about levelling the playing field and making sure that consumers and small businesses are able to be competitive in an environment where there are some really big international global players, such as Mastercard, Visa, and so on. As we've heard tonight, the changes in this bill will save small businesses—and, ultimately, consumers—$74 million. It's another piece of legislation brought to this House by my friend and colleague Dr David Clark which is all about making sure that more money stays in the pockets of New Zealanders by supporting the small businesses who run our country. We know that New Zealand is made up mainly of small business. 