Hon PAUL GOLDSMITH (National): I just want to return, Minister, to the short debate we were having last night around the small business cashflow scheme and, in particular, the ratio between the $5.2 billion capital expenditure, which is the loans—potentially up to $5.2 billion—and then the $3.44 billion initial write-down, which is to say it appears, on the surface of it, that the Government is saying that it's going to lend out $5.2 billion to small businesses and expect that, ultimately, it will only get $1.5 billion or $1.6 billion back, because most of it will be written down. I just wanted to get a sense of how that's arrived at. Obviously, there's the cost of zero interest if people pay it back within one year, but there must be also a very significant expectation that the loans won't be paid back in a significant set of circumstances. So I just want to get some clarity around that first.