I would like to also just remind this House that expenditures as a result of COVID-19 are real. We have slipped into a world over the past year or so where it almost seems as though money is not real. "A billion dollars is not a lot of money any more.", I heard somebody say, and it's no surprise when you've got a Reserve Bank that is prepared to, first of all, speculate about going to negative interest rates, where it will actually pay people to borrow money off them. And when that doesn't quite seem possible, they'll do what they call large-scale asset purchases, where they effectively buy pieces of paper off the Government in return for newly minted New Zealand dollars. And when that didn't work, we have the funding for lending programme where the Reserve Bank basically goes along to commercial banks and says, "Would you like some money? Can you lend it to someone? If you can, we'll give you whatever you want at a very competitive rate."