Now, I won't make this a long speech, but I do wish to thank the Commerce Commission for this work. We love it on this side of the House when the Commerce Commission is brave, takes on big challenges like loan sharks, backed by a Labour Minister who backs their work for consumers, who makes it possible for changes that make big changes to people's fees that they are paying. This bill, though it is a small bill, will save $74 million in fees for the people who use these payment services. We're proud of the Commerce Commission's work on the supermarkets, and there's more to do. We love it when the Commerce Commission take on these challenges, and I commend this bill and their work to the House.