I think, also—and this is getting into a little bit of the technical side of it—to be able to access those losses, you will have to have required imputation credits, and, again, if you haven't got the imputation credits, you may not be able to access all of the losses. But for those small to medium sized enterprises that don't always rely on keeping the profits in their company, what they do in many cases—and most small businesses in New Zealand do this—is they actually strip out the profits in part by way of salaries to their shareholders. Now, if the shareholder salary is nil or reduced, there's a need to make a revised provisional tax payment before 7 May, and the issue with that is it then gives rise to things like interest on shareholder current accounts that may be overdrawn, and it also gives rise to how you then have to change your accounts if you're a business and what that means for the banking arrangements you may have with your bank, because what you're effectively doing is changing prior-period profits.