On to the bill, the third reading of the Retail Payment System Bill. Obviously, my colleague Andrew Bayly had actually said the National Party, on this side of the House, supports the bill—we wouldn't have if it wasn't something that benefits the consumers or if it was a terrible bill. But I think the issue that he was actually raising was the situation currently in New Zealand. I know that Andrew actually speaks with lots of passion and lots of whoomph, and sometimes I wish I had his energy level as well. But this bill—as the Minister, the Hon Dr David Clark; Andrew Bayly; and Jamie Strange have said—reduces the amount of fees that both consumers pay and merchants have to absorb. And I think that's a really, really good thing. 