In conclusion, retail payments are the nuts and bolts of the market economy. The payment methods make it easier to secure goods and services, but the fees that sit behind them are simply too high. We want to ease the burden of these fees on retailers and other small businesses who are already struggling with the impacts of COVID-19, and we recognise that when we do that, the knock-on benefit is also to consumers, who will rightly see—well, they won't be paying the surcharge, effectively, through that business, as the business tries to recover its costs.