The one thing that small businesses in New Zealand don't need more of is debt, no matter how cheap it is. So when the Government says, "We'll help you rearrange your debt and move it sideways, and we'll lend you some money for a first year interest-free and then a lower interest rate thereafter.", that wasn't what they needed. What they actually needed was direct financial assistance—cash-flow assistance—to help them get through. I fear we are going to see far too many of these small businesses closed in the coming weeks and months—far more than is necessary to have closed, with just that little bit of extra help and understanding from the Government.