So this bill is a step in the right direction, will ensure the retail payment system delivers long term-benefits to New Zealand consumers and businesses, and it also fulfils a pledge of the Labour Party before the last election. It's a delight to actually have here in the House this evening the former Commerce and Consumer Affairs Minister, the Hon Kris Faafoi, who can also celebrate this gain, and I also acknowledge the work of the Hon Stuart Nash in this area. We're not through all the reading stages of this bill, but the select committee has approved the bill.