ANDREW BAYLY (National—Port Waikato): Well, let's start at the beginning, Madam Chair, clause 29. So this deals with merchant surcharging standards, and the Economic Development, Science and Innovation Committee made a change. I just want to understand what this means and the Minister's perspective on it, because what subclause (1) states is "The purpose of this subpart is to ensure that [the] payment surcharges for payment services"—and this is what was removed—"are not excessive and reflect"—and instead inserted—"are no more than the cost to the merchant of the payment services used for accepting retail payments." So can I ask, is it the Minister's understanding that this new definition, which removes or changes from "… not excessive and reflect the cost …" to "… are no more than the cost …"—does that mean that the service can not include any profit element at all? It is a straight cost aspect, cost transfer, and there cannot be the possibility of any profit being included in the surcharge?