If you walk down Lambton Quay during the daytime, if you walk down Queen Street during the daytime, if you walk down any city or town in New Zealand, all over New Zealand, we have small businesses that have closed up in the last two years. That is not their fault. We know that we have been through and still are at the tail-end of a pandemic. But we also know that those businesses have employed people; they've paid the wages, also to the owners of those businesses, many of whom work in their businesses, or did work in them; they've paid the mortgages on their homes; they've paid school fees; they've paid for everything their children need. And those businesses have now died. It is simply irresponsible to think that this bill is going to solve that issue; it will help but, for many businesses, it's too late.