Rt Hon JACINDA ARDERN: Again, those are just some of the estimated and assumed impacts. As I've said, at this point in time it is just too early to say. For instance, we have really until through to April for some parts of the education sector to see whether or not that will have a long-term impact. Roughly, 59 percent of the overseas education market have their students already in New Zealand. Of course, we expect for the university sector that, even if delayed, students are most likely to still come in if border restrictions lift in appropriate time, and so really it's just too early to say at this point what those wider impacts will be.