As earlier speakers have mentioned, many people in this country pay merchant service fees that are often charged out by the issuing banks that provide credit cards and EFTPOS cards. But, as I think it was the Hon Judith Collins, who talked about her experience, said earlier, during COVID there were many businesses and retailers who did not take cash. I don't know whether it was fear of the COVID virus, but I know that some retailers who did, in fact, take some cash would actually sanitise it. They would use disinfectants and all that kind of stuff. 