Small businesses: before COVID, I used to say that this will be the last generation of business owner that will survive, let alone thrive, without being digitally enabled, and the reason I said that was because, as the Minister of Revenue at the time, Inland Revenue were moving everything online. Every single initiative we were putting in place rested on a digital platform. But what's happened is that because of COVID, this whole digital transformation has been brought forward by a substantial amount. McKinsey & Co. believe that in the United States, about five years' worth of digital transformation took place in eight weeks, and I believe the same has happened here. 