ANDREW BAYLY (National—Port Waikato): Well, I'm standing here to talk on the Retail Payment System Bill, first reading. Wow, I'm just sitting, looking at the Minister, and saying: is this as good as it gets? Obviously we want to see fees reduced over time, but, gee, we're going to take up—what—an hour and a half. What's that worth in terms of time spent in Parliament? What's that worth? About a million bucks—a million bucks? And so no doubt the select committee is going to have a great deal of time looking at this and considering it. 