Just going back briefly on the issue of costs of merchant service fees being passed on to consumers through the price of goods and services, we know this disadvantages low-income people while only occasionally benefiting high-income earners. Some of the retail payment cost that is passed on to consumers is used to fund rewards and other inducements for using credit cards. MBIE estimates merchants have to increase their prices to all consumers by around $187 million per year to fund rewards paid to certain credit card users. Due to the way credit card rewards schemes are structured, this leads us to an annual regressive cross-subsidy of $59 million from low-income to high-income households. This is effectively a trickle-up scheme, where some of our lowest-income people are subsidising a system that only works for those with the means to reap its rewards. That's why we are supportive of this bill, the Government's intent to create a regulatory system for merchant service fees for debit and credit networks. On that, we support this bill. Thank you, Mr Speaker.