I take my two points from previous speakers tonight: first from my colleague Barbara Edmonds and the acknowledgment of a very practical part of our day-to-day lives, an EFTPOS card. I think back to the past 12 to 18 months and the life of COVID-19, and we think to our small businesses across Auckland and across New Zealand, who have had to pivot and adjust and adapt their business models to work within our new world and keep afloat, essentially. And at the other end, our customers have had to change what they purchased and adapt to those evolving markets too, not only because they're consumers but also because they want to support local business, and that was something special of that last 12 months throughout COVID-19. 