E-invoicing gives life to this. What e-invoicing is is my accounting software talking to Kieran's accounting software, for example. It's generated invoices. It means they're correct, and it means people get paid on time. We all know, as we're told time and time again, that small business is about cash flow. Imagine getting your invoices paid in 10 days as opposed to 50 days. In fact, at this point, the Ministry of Business, Innovation and Employment (MBIE) actually pays 75 percent of their invoices within five working days and 95 percent of their invoices within 10 working days. In fact, one of the first things I did as Minister for Small Business was I called in a company called Fonterra, whose payment terms were 120 days from the end of month of invoice—so it could be 150 days—and said to them, "How can you justify treating your customers like this." What did they do? They came back and they changed it to the 20th of the month following. Payment terms and cash flow are so important to small businesses. 