But it is important to understand that if someone is to have a New Zealand business and they need capital, what are they supposed to do? The Government says you can borrow it. Well, what if there's not enough asset value there to borrow against, or if there is not enough income to pay the bills? These are the issues. So does that then mean that the business would have to actually close, and the answer would be yes, because, of course, they would be trading insolvently, in many cases. So there are issues here that we need to be very careful about. 