The members of Government talk a lot about small businesses. They talk very little about the small businesses that have closed and that have gone, who are waiting not for this legislation, but any other help that could allow them to get there. The $74 million of savings from this legislation, spread across small businesses in New Zealand, is very small by comparison to the amount of debt that these small businesses have taken on over the last 2½ years alone. And it is the case that when consumers go and they pay for something with their cards—and, in some cases, some retailers on-charge the cost to them of up to a percent and a half; others absorb it—what the consumer then may say to that small business is "Well, why is it that I have to pay 1.5 percent on this retail item that I'm having to buy for my family that is so much more expensive today than it used to be, when this saving the Government is talking about means that prices in the supermarket, or prices in the corner dairy, or prices anywhere will go down?" And the answer to that, sadly, is they won't.