I want to thank the House for prioritising the passage of this bill to ensure that the savings that it generates are passed on to merchants and to consumers. As the Labour Party made its pledge, front of mind was those small businesses that talked about how tough it was. I spoke to a number of small businesses, particularly around this announcement originally, and as we went out with consultation documents and the like they shared with me just what a burden it is with some of the fees. They don't have the leverage with the banks and the schemes to demand different network fees. So this cap will make a meaningful difference for small businesses, and if small businesses flourish we know we will have a more competitive landscape for consumers and we know also with the cap on fees that that money not only lands back in the merchants' pocket but gets passed on to consumers. 