On the weekend, I was in Te Awamutu—lovely, lovely spot, there near Hamilton—and I purchased some fish and chips for my family for $32 and I was about to put the card through their machine, payWave, and I noticed on the machine that the surcharge for the payWave was 66c. I paused for a minute, "OK.", so I actually got the chip on the card and put it into the machine, and, unfortunately, it didn't recognise my card. So I swiped it, still didn't work, and so I had to do the payWave thing, so I, obviously, paid the 66c for that. But I spoke to the owner of that small business and I told her about this piece of legislation that's coming through in terms of significantly lowering those surcharges, and she was absolutely delighted. She said, "Oh, wow. I'm so excited about that." She wasn't aware that it was coming through, and I believe that I really made her day, because the reality is that it is quite challenging for, particularly, small businesses to absorb those fees. We have seen quite large fees when we compare to other countries over recent years. So this is a piece of legislation that I expect will be well received by our small businesses and our consumers, as this passes through.