ANDREW BAYLY (National—Port Waikato): Thank you, Mr Speaker. It's a pleasure to be speaking on the second reading of the Retail Payment System Bill. And I hope it gets better than this for the Minister because, whilst this is a good step for small businesses, it is just a minor bit when you compare the over $3 billion worth of costs that the Labour Government has imposed on small businesses across New Zealand. Just hammered them with stuff—holiday pay, 10 days' sick leave, all of that sort of stuff. Three and a half billion bucks' worth and, yes, we're going to save them a bit of money—wow! But, I've got to say, yep, for retailers who are hard done by because the public servants won't come back to work because the Government won't tell them to come back to work—councillors and council officials are still at home working from the home, who don't come back into our centres and help places, help our town centres, help our small-business owners, help our retailers; all those operators—that's probably the more important issue. But I will congratulate the Minister for pushing through yet another piece of legislation, and, hopefully, he'll make it back into Cabinet, because he is so keen to push this stuff through and, yes, I know it's an election promise for Labour, and it will give a little bit of benefit but, gee, if I was a small-business owner, I'm not sure I'm going to go, "Yes, I'm saved!", because I just don't think it's going to help that much. 