RICARDO MENÉNDEZ MARCH (Green): Thank you, Madam Speaker. I rise on behalf of the Green Party to speak on the Retail Payment System Bill's second reading, partly supporting this common-sense bill. Making the reflections after my colleague on the left, Naisi Chen, who spoke about coming to New Zealand, and realising, I guess, the differences in the payment methods that we experience here. One of the reflections when I came to Aotearoa almost 16 years ago was the technologies that we used—and I grew up in a very cash-based society and realised that New Zealand was one of the guinea pigs where EFTPOS as a technology was being used. But I didn't realise until quite later in life just how regressive some of these fees incurred to low-income people were when contactless systems came about.