I'd wish to end on a note on something that the select committee touched on about the way in which these higher fees are passed on to consumers by small businesses often engaging in reward programmes. And it really struck me to see the very clear reflection of just how we've been caught in a perverse system where, effectively, low-income people who cannot necessarily make multiple purchases in a business or participate in a reward system end up subsidising these high costs for high-income earners who can participate in reward programmes. And I think reward programmes are a really good indication of costs being passed on to consumers that ideally should be regulated, and so I'm really glad to see this bill continuing to progress and we look forward to supporting it to the further stages so that this change sees much-needed money into the hands of some low-income people and small businesses. Kia ora.