Can I just say that recently the Fitch Ratings agency said that New Zealand had sound fiscal management, low and declining debt in relation to GDP, and they said that this would enhance the country's resilience to economic and financial shocks. The reality is that we face difficult times that I have forecast in the past. I'm not trying to be wise before the event, but if you look at the level of bank indebtedness around the world and the amount of money that's been given to cheap interest, then you've got to ask yourself: when does the ferryman have to be paid? When will the day of reckoning be? So for this Government to be positioning itself in preparation for these sorts of potential financial difficulties is a very, very sound measure.