We also heard something else from the previous speaker. The previous speaker said the Retail Payment System Bill is an "insignificant bill"—$74 million per year is not insignificant. That's going to make a significant increase to small businesses in New Zealand. I'm thinking of a small business literally down the end of my street, a small dairy. I went in there recently, and I spoke to the dairy owners and I explained this bill to them, and they were incredibly excited. And I said, "Will this make a difference?" And they said, "This will make a big difference for our small business." And there's a number of small businesses in that same space. 