RACHEL BOYACK: Thank you, Madam Speaker. The point I was noting there is that there are times when it is appropriate, when a market is not delivering for people or for those involved in that market, for Government to intervene, and that is exactly what we are doing: delivering on a manifesto commitment from 2020 to ensure that the retail payment system is fair. Look, in my electorate of Nelson, this is a policy—a piece of legislation—that is incredibly popular. I've spoken to many dairy owners, cafe owners, who often feel quite embarrassed, quite frankly, that they have to add an extra fee on to the payments that people are making—adding that fee to the transaction value. For example, they're often using payWave because of their commitment to keeping people safe; they want people to be able to make a contactless transaction. So this bill is actually going to ensure fairness in the system for consumers and for the retailers and those hospitality, small businesses who are affected by this particular issue. 