Over the last two years, providers have cut merchants fees for a period of time to reflect the COVID-19 impact. It shows that there is already competition in the system. Small businesses are going through a hard time—in fact, they have been for the last four years, and it's great that the Government are trying to help. Taking control isn't helping. It just seems like the Ministers want control of everything. We've seen many examples of that over the last year, and there's a name for it. 