In terms of the questions that the members asked, I mean, "I do find it difficult to reconcile" is the short answer to the member's question, because one of the reasons we tend to look at these external bodies, like Standard and Poor's, like Moody's, like the Fitch Ratings agencies, is that they are objective. They don't have any particular axe to grind one way or the other when it comes to what's happening in the economy. And what they have seen is a picture of a country that, like all countries around the world, is being tested by COVID-19. And what they have said is that our systems of Government, the robustness of our finances, the robustness of our policies, stands up to that. And while, like any Government in the world, they will look and they will find areas where we could improve, or things that we could do that we might want to change, overall their assessment is that this country—and I want to be careful to stress this, as I did in my opening contribution. This is a tribute to the businesses and workers of New Zealand. That's who got us through this in COVID. They were supported by a Government that acted swiftly and decisively, but it is a tribute to those people, and we are very proud of all New Zealanders in the role that they played. So from our perspective, the economy is doing well.