Also, historically, I think there will be those who have businesses that will survive because they will be enabled through rent relief to continue to exist. I think Mr Bayly probably gave us the best example of why this is good legislation, particularly that which relates to rents, because he talked about the hairdresser who, because she was able to negotiate a 50 percent reduction in her rent, will survive. Now, Mr Bayly was at the select committee where we heard from a gentleman who runs an Airbnb in Auckland. Not only did his landlord not discuss or reduce his rent but they actually increased it. Not only is that gentleman looking at losing his business; he's also looking at losing his home because he has personal guarantees. That's the personal face of this. 