What we've heard is that the loan scheme isn't really working, in effect, and we understand there's been a lot of pressure put on by the Minister of Finance for banks to lend out the money, but the rules set up by Treasury are quite clear that normal business lending criteria should apply. So it should come as no surprise to the Minister that personal guarantees are required and it's actually difficult for businesses to get access to that money. How he could possibly be surprised by that is beyond me.