I wanted to pick up on what the member to my left, Barbara Edmonds, was talking about regarding New Zealand having a really high rate of use of EFTPOS and payWave services. It really struck me when I first came to Aotearoa 16 years ago—and I kind of crossed through bits of this in the second reading. As a migrant I was really struck by how much of a cashless society we already were back then in 2006, and COVID really pushed us to not only become cashless but contactless. And as Barbara was talking about, many of those small-business owners are paying really high fees to use the services. 