We will be opposing this bill at this stage, until several modifications are made, and then we will take it for reconsideration. The great thing about retail payment systems is that when you go back down the line, petrol-fuel margins haven't fallen, and it's true. If you look at the important margin trending up, petrol is going up, according to the Ministry of Business, Innovation and Employment (MBIE). So I just thought I'd clear that up before we get into the bill.