Hon TODD McCLAY (National—Rotorua): I find myself in the unusual situation, in the first time in my political career, agreeing with that last member, Glen Bennett, when he read out and said that the problem with the interchange fees charged by the banks for the credit cards they use is the poor old retailer must pass them on to the consumer. They can't absorb them. They can't put them somewhere else. Actually, many of the retail customers, small shops in New Zealand, are doing it very difficult. They must pass it on. And, of course, that is the case whenever a cost is imposed on a business. They must pass it on. With the Matariki bill that was passed just last week, there's a $450 million cost that's being imposed upon these businesses, and, just like what the last speaker said the banks are doing, it must be passed on.