During the campaign, I remember talking to one of my regular coffee cart owners. His name was Kenny, and most people know his coffee cart, which is near the Harvey Norman and the Pak 'N Save petrol station. He talked about the monthly fees he was having to pay to his merchants, and he said it was around $6,000 a month. From his perspective—and I absolutely agreed with him—$6,000 was too high for a small coffee cart owner. But the reason why he still paid that fee was because he felt like he had a moral obligation to his customers. Given COVID, he wanted to minimise contactless transactions as much as possible. So I say to Kenny and to all those small business retailers across the country who we promised that we would make this commitment that we would reduce the burden on them in relation to merchant service card fees, we are doing that tonight.