DAMIEN SMITH (ACT): Thank you for the opportunity to speak on the third reading tonight. The ACT Party favours competition and efficiencies in all charges and fees with regards to assisting small business. Just to clear up on our friends with American Express, it is a different network and it has a substantially different business model to some of the other players that are right there. But my address tonight is more about the largesse around the Commerce Commission and where this is a classic example of how Government intervention actually takes away some of the value that's supposedly being created in savings, and I'll touch on that later.