Anyway, let's talk about some of the detail. I think not everyone will understand what this bill's about. What it does, it basically sets what's called the interchange fee. This is the fee that's charged between a provider of credit facilities and a financial institution—so, to give an example, VISA, Mastercard, American Express (Amex), with the fees that they'll charge the bank. As the Minister said, that is most of the cost when people are starting to use their credit card when they go to buy something from a retailer. And what this does is allow the Commerce Commission to have oversight of that process and to make sure that the fees are capped, and, at the moment, roughly about 80 percent of the total fee is relating to this interchange fee. Under the new arrangements, they're going to be set for 0.8 percent on credit card transactions, which is in line with Australia; 0.6 percent for online debit and credit cards—I see you are watching me very closely, Mr Speaker, because I know you are a heavy user of your card or, maybe not you, but your partner is—and 0.2 percent or 5c per transaction for a contactless debit. 