BARBARA EDMONDS (Labour—Mana): Thank you, Madam Speaker. It's a pleasure to be able to speak on this bill, because it's actually not a bill that came before the Finance and Expenditure Committee, which I was on. It's really nice to be able to come into the third reading of a bill that I've actually been really looking forward to because it was something that was in our manifesto. This bill fulfils one of our commitments relating to merchant service fees charged to retailers. It wants to bring them in line with comparable economies across the world because New Zealand fees are higher than some of our other counterparts.