I was also concerned by Damien Smith—that he talked about the breadth and scope of intrusion, which I thought was a bit rough. One of the submitters—this is what they had to say in submitting to this piece of legislation. They said, "As a small-business owner we have for years faced price gouging from the banks over merchant service fees. The only tool at our disposal has been to on-charge these increasing fees to our customers through repricing our products or transparently surcharging." They talked about wanting to get rid of this and move it forward so it is going to get passed down to the customer, and business people—small business—who we serve in part of our manifesto as Labour, we said we'll do this. We are doing this and so I'm really, really proud that we can move another step forward and I thank you for the support from across the floor and I just hope that we can get the ACT Party there very shortly—and I know they may.