I just want to take a moment to reflect on the comment that Ingrid Leary, the member who's just sat down, said in terms of how this bill returns benefits to the consumers. I am actually not quite sure if this bill returns money to the consumers' pockets. I would like to ask the Minister—and I'm sure that during the committee stage of this bill, the Minister may be able to answer—if, in fact, this bill will provide benefits to consumers, as his colleague Ingrid Leary said, because the overseas experience in Australia and Europe tells us that consumers receive no benefit and tend to lose out on the interchange regulations. However, I just want to say that on this side, we actually supported this bill, and we will continue to support it, bar something going tragically wrong during the committee stage. 