The other thing that I must acknowledge and the thing that I've pushed really hard on, and not only in the tourism sector but also in my small business portfolio, is I acknowledge that these are really, really tough times for some men and women in the sector. You know, pre-COVID actually, Xero did some work around mental health and businesses, and what they found is 40 percent of small business owner-operators said that running a small business impacted upon their mental health. And that was in the good times. We know that for a lot tourism operators, this has had a detrimental effect on their health and wellbeing. It's the reason why we put a substantial sum of money in there. So if people are under stress, under undue stress and they're really feeling it, then they can get professional help. I think that's really important and I'm pretty proud of that initiative. 