So retailers preferred getting credit card payments or EFTPOS payments because of COVID, and often there wasn't the insert or swipe option on these cards, but the contactless version of the transaction. The merchant service fees for the contactless portion is the interchange portion between the bank that charges it and the fee that they have to pay to Mastercard and Visa. That is the interchange fee, and that is, in fact, like 80 percent of the charge, and it is the highest portion of the merchant service fee. Hence, this bill sets a limit on how much it is. There is a cap on how much the interchange fees will be. 