MSD's rapid response teams are in place in regions like Tai Rāwhiti, and we have removed the stand-down period. I met yesterday with the chief executives of New Zealand's major banks, who told me that they are well-prepared, both in terms of their own operations and in their ability to work with their customers, to get through this. The options they highlighted for customers are reducing or suspending principal payments on loans and temporarily moving to interest-only repayments, helping with restructuring business loans, consolidating loans to help make repayments more manageable, providing access to short-term funding, and referring individual customers to budgeting services. I strongly encourage businesses and banks to talk now and make a plan to get through this challenging situation. 