The second point I want to make is one that I made yesterday when the Minister of Finance was lauding the success of this major part of reform to help businesses in their hour of need. There is no doubt that this bill gives some support to small businesses, but in my mind, I believe that there is a tendency to gild the lily about this bill. What this bill is about is the Government acting as a temporary bank in terms of banking losses that companies would be making, and allowing them to claim it in the preceding year rather than delaying it until next year. In terms of a cash payment, that is all we've done, is changed the timing of when that occurs. The actual net cost to the Government of this scheme, using the $1.3 billion, is actually the cost of one year's financing, $3.1 billion—or, in other terms, a $90 million cost to the Government. That is the net cost to the Government of this package, and so it should be described as a $90 million bill. But I do accept the proposition that by doing and acting as a bank, the Government, effectively, is giving the opportunity for businesses to access or, in effect, pay less tax than they would've otherwise been required to do so by a period of one year. That is useful in the time of need we've got right now.