RACHEL BOYACK (Labour—Nelson): Thank you, Madam Speaker. It's a pleasure to take a call on the third reading of the Retail Payment System Bill, and I just want to note some comments following the previous speaker from the ACT Party, and I want to note—just regarding his speech tonight—that last week ANZ reported their half-yearly profit which was up 18 percent on the previous year, showing a record profit of $1.1 billion. And it's very interesting to note that the ACT Party have chosen, on this bill, to side with big business, with the banking sector of New Zealand, instead of supporting small businesses who have been doing it tough. It's interesting to hear the ACT Party show their true colours in Parliament and refuse to support a bill that is intervening in a market—