After that, the goal should be to return to surplus by 2024 at the latest without raising taxes or relying on more unconventional monetary policy that deflates New Zealanders' savings. If Government is going to offer relief, it should be targeted at businesses and events in tourism, those types of businesses that cannot carry on even at level 2 because their whole point is to bring people together. The Government should be asking about all of the costs that it imposes on business. If Southern Cross can give its policyholders a premium holiday, then why can't ACC? We know there have been less car crashes and less workplace accidents. When every business is cutting costs, Phil Twyford should be threatening the councils with punishment if they do increase rates, not if they don't.