Now, the bill executes, as I've said, a short-term and a long-term strategy for promoting competition and efficiency in the retail payment system, and that is for the benefit of consumers and merchants. So in the short term, there is an intervention in that the bill caps interchange fees in the Visa and MasterCard networks for an initial pricing standard. Interchange fees, as many in this House will now know, have been a part of the debate, and what many folks at home will know is that it's often the largest part of a merchant service fee. They've tended to be particularly high in the Visa and MasterCard networks, and that perhaps reflects the dominance of those networks in the New Zealand market. Capping interchange fees will happen six months after this bill has passed and had Royal assent and it will relieve a significant burden on, particularly, small merchants who face a disproportionate burden from the interchange fees. It's been estimated that this change, this cap, this pathway that will see in six months these fees adopted as the ceiling, on a conservative estimate will save New Zealanders around $74 million a year. So that goes in the first instance to those merchants—