One thing that COVID has taught us is that cashless forms of payment have become more common, and there's actually nothing wrong with that. There will be many, many small businesses who have had to absorb the cost of the fees that are associated with cashless payments, and this is a bill that's designed to at least create an even playing field. But we should never forget that we are a very small market place, and when we regulate even in a light-handed way, it has consequences. We are a small market place, something smaller than the size of metropolitan Sydney, which we should never forget, and we are a nation of small businesses. There are always going to be winners and losers when consequential regulatory reform of this sort takes place, and someone will pay, and, ultimately, it will be customers. Someone will pay, because those costs don't disappear; they just get moved around and shifted somewhere else within our economy.