CHRIS BAILLIE (ACT): Thanks, Mr Speaker. I rise on behalf of ACT to speak to the Retail Payment System Bill. ACT opposes this bill for a number of reasons, but mainly because ACT believes in free markets and the less Government has to do with things, the better outcome for all. Having a Minister put his two cents in—or her two cents in—often creates more problems, even if it might look good on paper. I suppose the Government can espouse how much they care about and understand small businesses, but the unintended consequences in this bill must be considered, because Government intervention in private transactions over time will eventually hurt the very people it purports to help.