But let me answer the chair's specific questions to start with. What we found during COVID is that businesses that were digitally enabled had an immediate advantage over businesses that weren't digitally enabled. What McKinsey & Company—which is an American consultancy—found in the States, which I think is probably mirrored in New Zealand, is that there was about five years' worth of digital enablement compressed into eight weeks as businesses sought to be able to generate revenue through some way, shape, or form. This happened in New Zealand through the click and collect. But what we found is that we need to move forward in terms of digital enablement.