If the Labour Party were genuine about helping people, because the fundamental premise of this bill is to help people through the cost of retail transactions, let's look at some of the fundamentals they could actually be doing to really help business. They won't do those things. It's all these glorified plans of the future. But what about little things now about getting that trading going, about getting the supply of services, about getting people back into work and doing it properly? That's what business wants now. They will take this retail payment system change, consumers will take that, but it's not actually what they really need. They need a Government focused on making business work now; not these grandiose plans of 10 years' time. Business is in trouble and if business can't work now, then we are in that circle of increasing inflation, increasing costs, and the loser in the end is the consumer, and especially the more vulnerable consumer, because those on fixed incomes are going to be the ones that lose out the most when you've got the inflation spiral that you've got going on. 