We have also learned lessons from COVID-19. One of those is that, just as occurred after the Canterbury earthquakes and the GFC, the Government found itself having to put in place ad-hoc measures to protect the incomes of New Zealanders who had lost their jobs. We did this with the COVID-19 income relief payment. At the urging of Business New Zealand and the Council of Trade Unions (CTU), we have committed ourselves to the development of a social unemployment insurance scheme. Many countries around the world have such a scheme. We are investigating an ACC-style scheme that would provide 80 percent of income for a fixed period of time, with minimum and maximum caps, linked to training opportunities. This proposal is being developed by a tripartite working group with Business New Zealand and the CTU, and public consultation will occur later in the year.