So just continuing on with that debate with the business guarantee scheme, Minister, I'd say to you that the reason why it failed and the British actually pulled out of it—because people don't really understand the reason why, and I think you've been a little bit careful with what you've said—is that the scheme requires the bank to put the business into receivership, and whilst there is an 80 percent guarantee from the Government, the bank has to make the running. So no bank wants to be seen to be putting companies into receivership, and that's why the scheme failed in the UK and that's why you've had an incredibly low take-up in New Zealand, because banks have been naturally very cautious in terms of wanting to be putting companies under, which is exactly the point.