To conclude, retail payments are central to the economy. Consumers continue to demand that more innovative payment methods are available to them, but we know that the fees being charged are indeed too high. This bill ensures that consumers are supported. As we're in difficult COVID times, consumers are supported, small businesses will be supported, and they will help with the economic recovery. It's an important step in the right direction to ensure that our retail payment system delivers long-term benefits to consumers and businesses in New Zealand. I commend this bill to the House. 