Bayly AndrewANDREW BAYLY (National—Port Waikato): Well I'm standing here to talk on the Retail Payment System Bill first reading. Wow I'm just sitting looking at the Minister and saying: is this as good as it gets? Obviously we want to see fees reduced over time but gee we're going to take up—what—an hour and a half. What's that worth in terms of time spent in Parliament? What's that worth? About a million bucks—a million bucks? And so no doubt the select committee is going to have a great deal of time looking at this and considering it. Look there's no doubt that we want to see fees reduced as much as possible. But as my colleague the Hon Todd McClay said in the scheme of events this is pretty small beer. I can understand why Retail New Zealand Hospitality New Zealand and the Restaurant Association all wanted to support it. It's fine; it will do some good. But it's not going to be a game-changer unfortunately particularly right now when you've got those industries—retail hospitality accommodation events sector—who are just crying out for support and we're putting up a bill like this tonight. Why on Friday didn't Mr Grant Robertson actually do something meaningful for them? He did nothing in his thing because nothing will help them more than actually helping them with things like insurance schemes for the event sector allowing retail operations to actually operate and allowing people to come in and buy stuff from their shops or in fact for the restaurant people to actually work in the streets actually have places out on the street so they can entertain people and get some money coming in. Instead what we've got is a bill like this tonight. This is not that important Dr Clark. What we should be talking about is what is really important—those thousands of businesses particularly in Auckland and the Waikato now who are just going to die over the next three weeks until they finally can apply for their next increased resurgence payment which has been delayed for three weeks before they can even apply for it. That is the difference between this bill and what the Government really should be focused on. I think it's just interesting how much time that the committee will spend debating a thing like this. Look just get it through the House. Everyone agrees with that. It doesn't need a lot of time. As a Government Labour should be focusing on the big stuff. And I think you're missing the big stuff when it comes to a bill like this because right now in the next three weeks thousands more of those retail hospitality accommodation events people who will use these types of payments will fail—will fail—and as a result they'll lose all their life savings. And worse than that the people that they employ will end up on the job seeker benefit and they will stay there as we've got and we've seen since the first lockdown 56000 who have joined the job seeker unemployment benefit since the first lockdown in March last year and are still on the job seeker benefit.So of course we support this but this is not that important in the scheme of stuff. What the Government should be talking about is some real stuff to stop these people losing their jobs their livelihoods and all the other stuff that's really creating carnage in places like the Auckland and Waikato regions.