So it's not compulsory for people to risk their money in new investments and to start new businesses and to employ people, and this is the mistake that this Government makes time and time again, in so many areas. It's the same in housing, where we've got a real crisis around rental property. They seem to miss the basic point that it's not compulsory for people to rent out houses, and if you make it too difficult, too expensive, and too risky, people won't, and then the supply will shrink. The same thing with employment: if you make it too risky, too difficult, too challenging, and too expensive, then fewer people will take the risk, and that means that fewer young people, in particular, in New Zealand will have the opportunity to have a job.