This is a country that has more small businesses per capita than any other country in the world. There is a reason for that, because Kiwis are hardworking, they're ingenuous, and they want to do well. For so very many of them, they are wonderful employers and they have amazing employees that turn up to work every single day. For the Government to come in and say, "We have a suite of changes we want to sweep through without genuine consultation with the people that will be most affected, because we made a promise before the election that will cost $2.8 billion."—and, by golly, the Government says they're going to keep this promise of an extra $2.8 billion of cost upon Kiwi businesses, and therefore consumers, the people they say they're trying to help, that actually they do them a great disservice. The ultimate outcome of that will be higher costs passed on, businesses that struggle more, and employees that won't be better off because the employers will have fewer choices rather than more. We should be backing hardworking Kiwi businesses, not putting costs on them; finding ways to reduce the costs upon them so they can employ more people and pay them more, because almost every small-business person I've met wants to do that.