Even though we allocated $40 billion here, the mix of spend that the Government has chosen to apply, in my personal view, has been that it's not well balanced. It underspent in terms of support for employees—wage subsidies during the actual lockdown period should have been 80 percent—but didn't deal with the issue of rental support for businesses. The result of that is that now many businesses, three months down the track, who've only just been able to do approximately 10 days of work last month and will have now invoiced for those 10 days of work and will now, hopefully, later this month receive the first lot of payment in three months—during that period, not only have they had to deal with half their labour costs, and labour normally reflects about 40 percent of any business's total costs, they've had to top up half of that for the last three months. 