ANDREW BAYLY (National—Port Waikato): Thank you. Just in a similar vein, I note that Minister David Clark talked about this helping small businesses. As we've canvassed in the first and second reading, the economic or financial impacts of this for many small businesses is an absolutely small percentage when compared to the avalanche of costs that the Labour Government has imposed on small businesses, particularly around employment practices etc., which we estimate are nearly $3.5 billion. Yet this bill deals with a very small element, which is the interchange fee charged on transactions. So, in the light of that, the purpose statement in Part 1 talks about "The purpose of this Act is to promote competition and efficiency in the retail payment system". 