It's estimated that a 20 percent reduction of credit card interchange and a 30 percent reduction in online fees would equate to savings, for consumers, of merchants' fees of about $74 million. There are 550,000 businesses in New Zealand. Divided up, it amounts to about $130 each. Businesses are doing it tough during this pandemic. They've continually been hit with more costs by this Government. We've had two minimum wage rises with no expectation of increased productivity and at a huge cost to businesses. The first rise was two weeks into the pandemic, when businesses were forced to close their doors. We've had a new public holiday, which will cost businesses between $377 million and $444 million. There's been the doubling of sick leave provisions, which will cost businesses almost $2 billion. Seventy-four million dollars isn't to be sneezed at, but pales into insignificance when we compare it with the extra expenses that have been thrust upon businesses by this Government.