I think COVID-19 has pushed us to be a more contactless society for public health reasons; it also showed us that these regressive fees needed to be addressed. So it's really nice to see that after an extensive select committee report, we're going to continue seeing this bill addressing things like a limit on fees for payment services, requirements for participants to disclose information relating to the network or payment services, and more. I'm really glad that the select committee report was quite clear on just how regressive these fees are, particularly on how small businesses are impacted.