Rt Hon JACINDA ARDERN: Yes, which is why we have the income support payment, which is why we have provided $5,000 worth of advisory services through the business partnership network, which is why MSD has the Flexi-wage scheme, which is why we have the $10,000 in support of people who wish to create a start-up. Yes, unemployment is hardship, but we do not want to create double hardship by having someone potentially lose their KiwiSaver.