Well, the final thing a small business has to do is absorb that cost. What's happened over the last four years is—if there is a single small business in the country that can still absorb costs the Government's piling on them, I would be surprised. That's why in January of this year, there were a thousand fewer small businesses than the same time a year ago. The rate with which we see small businesses closing in New Zealand is escalating quickly, some of that as a result of COVID—some of it is—but not most of it. Most of it is the debt they've taken on, that the economy is not doing as well as the Government says, and that there is cost being piled upon them day after day after day. 