What did they do? Well, we saw the Government promising to underwrite loans and being prepared to do that through the allocation of finance or money. But what happened? Well, they were going to take 80 percent of the risk and banks would take 20 percent of the risk, and the banks responded and said it's not good enough; it still doesn't meet the criteria for us to make loans under these uncertain economic conditions. So what happens? About $80 million—about $80 million—is all they got—$80 million. Actually, banks lent a lot more, we found out. The Bankers' Association gave us a bit of a presentation last week. The banks actually lent billions during the period, but only $80 million through that business finance guarantee scheme. It was a flawed scheme, cobbled together because we have a Government that just was unwilling to take much of the money that it had allocated itself—and which Parliament appropriated, which Parliament agreed to, but which it was just absolutely resistant to using to provide some direct financial assistance to businesses. 