So it will level the playing field to some degree for smaller merchants compared to larger merchants but what we also heard from Minister Clark was that envy of people who had done well. He's saying rich people benefit because poorer people end up paying those same fees when it comes to the use of the cards and some fanciful rewards scheme. So he's going to set a standard to perhaps deal with that but actually nothing in as far as consumers are concerned when it comes to rents, houses, petrol, electricity—all the other things that mean the cost of living in New Zealand has gone up so very, very much that people are struggling and that we have such a thing as the working poor. What that means is people having to choose to pay their bills before they feed their kids often because, under this Government, actually prices have run away. But don't worry. The solution is at heart. We're going to jump on board and beat up on a couple of credit card companies that charge a small percentage on a transaction because that is a solution. 