While I don't want to prolong the bill's journey through the House, I do want to make a few acknowledgments and remind the House of the ways that this change will benefit merchants and consumers. So, quickly on the history: the possibility of regulating the retail payment system has been considered by successive Governments, and after pledging to get on with it and to actually regulate these fees at the 2020 election, as the newly minted Minister of Commerce and Consumer Affairs, I set about my task with alacrity. Straight away and at pace, we put together a discussion document to go out to get feedback from the public so that we could make sure that we did this in the way that would be enduring and would achieve the purpose we'd set out. 