MELISSA LEE (National): I completely agree with my colleague who just sat down, Andrew Bayly. In terms of the purpose, in this part the bill actually does talk about promoting competition and efficiency in retail payment systems. But I just want to add and ask the Minister specifically: what benefit, what long-term benefit this actually has on the merchants and consumers? I know that, you know, when consumers go shopping or whatever and use their cards, they want to actually not have to pay the extra 2 percent or extra 3 percent that the merchants actually put on for the privilege of using the credit card or whatever payment methods. I guess one of the issues that I actually foresee is what it does actually provide—long-term benefit—for the merchants. By reducing the interchange fees, does it really promote competition for the merchants, for example? And how will this bill interact with the digital identity bill is another question that I would actually like to ask the Minister—which is awaiting the second reading. As we transition into a different digital world, how will this bill interact with the digital identity bill?