NAISI CHEN (Labour): Thank you, Madam Speaker. I rise in this House incredibly proud knowing that after we pass this bill, $74 million will be saved for New Zealand businesses—$74 million, a much-needed saving right now in this climate. When I was preparing for this bill today, I thought about telling you guys about my history with contactless payment, and then I realised I probably would start the speech sounding like the confessions of a shopaholic. I won't. 