You see, Kiwis were doing it very hard, long before the effects of COVID, long before the now 270 days that New Zealand has been in some form of restriction imposed by this Government. You see, in Auckland there's not very many small businesses that are sitting there losing sleep because of the cost of the transactions that they have to consider if ever the Government finds a way to allow them to get back to business. Most businesses in New Zealand are struggling; they are not trading at the moment—in Auckland, sorry, you're not trading at the moment. They need all sorts of other consideration from the Government than this piece of legislation, a small-time fix for the retail payment system. 