Hon Dr DAVID CLARK: I've seen a range of positive feedback following my announcement from retailers, banks, and the business community. Greg Harford from Retail New Zealand said, "For far too long New Zealanders have been paying high merchant [service] fees and it is fantastic news that the government is finally moving to bring us in line with other countries that pay significantly less". Tim Deane of ASB said, "ASB has been a supporter of regulatory intervention to help get the balance right for businesses paying merchant service fees, recognising that card payment networks are a complex ecosystem involving multiple payment and financial services parties." Matt Cowley from the Tauranga Chamber of Commerce said, "It is a great announcement as it complements the government's focus on making it easier for businesses to do more business online." Good news all round.