Anyone who goes around their electorate over the next few days and explains what's happening here to their local dairy owner, to any other small retailer, will get nothing but praise for this. Because you've only got to have a look at some of the figures we're talking about here: average of 1.6 percent per transaction when it's done with a credit card, 1.2 percent with a debit card. Often, we're told here that we should be doing it more like the Aussies, more like the English. Well, perhaps, in this case, we could, because in England it's a 0.2 percent fee on average; in Australia, 0.6. This piece of legislation is designed to bring us in line with those two countries, certainly, and most others, because our retailers, and, as a consequence, our purchasers, are paying far more than they need to.