I want to acknowledge that it is an uncertain time for New Zealanders and that there are Kiwis out there who are nervous about where we're at with our COVID-19 response. Things have changed pretty dramatically in the last few weeks and I know that that has led to some New Zealanders feeling nervous, and we see that in some of the consumer spending patterns that we're seeing at the moment. People are staying home voluntarily. They are isolating themselves. They are concerned about what they are seeing. They're concerned about the increase in case numbers, and I want to speak directly to that. 