But what we're finding with these business owners going to their existing bankers is they are not only making sure that they've got their security over the assets of the company, but they are also seeking to enforce personal securities and also PPSRs, personal property security registrations. Those are the things that many people are finding very difficult because in their hour of need, they're finding that in some cases the banks are not providing or being flexible about the security arrangements. The counterargument is that if the Government is standing around 80 percent of the loan, the bank shouldn't require additional security, particularly at a personal level levelled against the owners of that small business. That is the issue that Mr Seymour so correctly highlights, and I just hope that we're going to see and hear more from the Minister of Finance. 