This is a great piece of legislation. What it does is it enables the Commerce Commission to recommend changes to retail payments, including transaction fees. Rather than wait for a comprehensive review of the retail payment systems, the Minister, in his wisdom, has said, "Let's look at Visa. Let's look at Mastercard. We know that these are the two dominant players in this market. Let's get money into New Zealanders' pockets now. We can look at the price signals that come from that. We can look at whether they try to do anything underhand to avoid competition, and we can adjust our response to that based on what we do with these two players."