So it's a market rate, and if Air New Zealand could have got money cheaper from anywhere else, they could have taken it and they still can. That rate has been restruck more recently—and it's true that it's dropped because the market rate has dropped since the parlous times when it was struck first at the time when COVID struck, when, I can tell you what, lending rates for airlines that didn't have passengers were pretty expensive because lenders thought there was a lot of risk attached to the loan.