Hon JUDITH COLLINS (National—Papakura): Oh, that was a very nice speech from the Minister. Thank you. There's a few things and questions I've got for the Minister. So it is designed to, obviously, cut down the costs for retailers so that they don't have to then pass those on, but is it also going to be useful when it comes to things like retailers who now can't access banks during normal working hours, when they're busy themselves, to actually drop off cash? Because that's one of the issues that I'm getting from retailers. Particularly in Papakura, not one bank is now open and so people are having to go to Manukau, and I think it's going to be the next stage that the Government is going to look at. Is this bill designed in any way, shape, or form to be able to be amended during the stages of this particular bill to take that into account, Minister?