I think the speech we just heard from Deborah Russell was interesting. It was almost a continuation of the theme that we heard at the COVID select committee a couple of weeks ago, which was that if businesses are undercapitalised, they just fail—tough luck. The comment here that if a distressed business was somehow sold at a fire sale price, that's a terrible thing to have happen—it misses the point that if that business maybe wasn't sold, it might fail, and if it fails, who loses? New Zealand's local investors lose. The people who have their jobs there lose. The value of that business inside the chain of activity in the economy is lost. 