Retail payments are the nuts and bolts of the market economy. The retail payment system is what makes it possible for consumers and merchants to sell and receive goods and services. The common ones that have been spoken about tonight and right throughout the whole bill process have been credit and debit cards and EFTPOS cards. These are all really familiar not just to the House but to everyday New Zealanders, because we are one of the highest users of EFTPOS cards throughout the world. 