ARENA WILLIAMS (Labour—Manurewa): Tēnā koe e te Māngai o te Whare. It is a privilege to rise and speak on another manifesto commitment delivered by this Labour Government. Reducing merchant service fees is something that Minister Clark has worked hard on since taking the commerce portfolio, because a lack of competition within our retail market has meant that New Zealand retailers are paying higher fees. But it's a bigger challenge now that COVID-19 has meant the use of contactless payment has become ubiquitous. And so it's a real pleasure to speak on something like this which has been moved quickly by the Minister.