In a matter of four days, I met with four restaurants, two bakeries, a medical practice, and a small chain of hotels—a total of probably five employees here, four there, 10 there, 100 there, coming up to, let's say, 500 people. Each one, each business, had been focused on what could be coming to assist them to keep them going to bridge the gap to get to the next stage and keep open. The wage subsidy pays for employees, not the business. The Government has said to them, "Go to the banks.", and they have. Banks will not lend when you have zero income and an uncertain future. Then Government loans, through the IRD, were offered. Businesses could not be approved loans, even with the offered guarantees by Government. At least for these businesses that I have been able to speak to—for them, they struggle to want to keep going, not just for the desire to keep going and keep their people who have been working with them over time for longer, but they just wouldn't be able to do so. 