I hope that the Government will allow the full period of time for this piece of legislation, this bill, to be before the committee, because it was announced more than a year and a half ago and it has taken the Minister almost a year from when he thought to get around to doing something to bring legislation before the House, and all of a sudden we have a sense that he might rush it through because this is the big fix. I think it is very important that we hear from all of those who are engaged in the sector: the banks themselves who run the system, the credit card companies that actually do have costs upon them—and they want to find ways to minimise these so that people can enjoy different ways of paying for the goods and services they may consume. But to leave it to the Government by way of setting standards, I don't think is the very best way. So the committee will need to take a full period of time to allow proper submissions and full consideration of this unless the Minister is saying that this is so urgent to fix the ailments the businesses suffer as a result of the $2.8 billion of costs annually this Government has imposed upon them through extra regulation, extra cost, and the effects of the extended long-term lockdown that Auckland businesses are facing but almost every business in New Zealand is suffering from.