Today in the committee, we're progressing a Labour Party manifesto commitment to lower merchant service fees and bring them into line with comparable economies around the world. The bill does this by establishing a new regulatory framework for the retail payment system. It's currently unregulated, and I would note for the committee, as has been noted before, that New Zealand's merchant service fees are set much higher than they are in Australia, and they add significant overhead for retailers, who often pass these costs on to consumers through higher prices. So the outcome of this bill will benefit both small businesses and consumers. In fact, a conservative estimate has the benefit to small businesses at approximately $74 million each year, and, as I say, much of this gets passed on to consumers.