One of the things that the Economic Development, Science and Innovation Committee report talked about was just the regressive nature of this bill. It traversed some of the tactics that small businesses ended up employing to cope with those fees that, unfortunately, meant that some of these costs were being passed on to consumers, with low-income consumers facing a disproportionate brunt. Tactics such as loyalty cards were being used, and loyalty schemes, to try and alleviate the costs. But the perverse outcome was that low-income people ended up paying, effectively, a disproportionate amount towards these costs. Low-income people cannot actually often fully participate in those loyalty schemes and end up subsidising high-income earners, who have much more of an ability to reap the rewards of such loyalty schemes designed to actually pass some of those costs to consumers. So we really welcome the Government fulfilling its manifesto promise to set up this regulatory framework. 