Hon KRIS FAAFOI (Minister of Commerce and Consumer Affairs): Our Government recognises the severe impact of COVID-19 on businesses and consumers, and we've moved quickly to ensure that regulation can support both the response and recovery. In particular, we've provided a temporary exemption from parts of the Credit Contracts and Consumer Finance Act to support the bank mortgage deferral scheme, which will give consumers and businesses much-needed flexibility with their mortgages. We've also issued a Government policy statement on essential goods and services to enable businesses to work collaboratively, to maintain confidence in supply chains to get household supplies to consumers during the COVID-19 lockdown. We've also pushed out the implementation of new regulations to give businesses and institutions more time to both respond to the effects of COVID and adjust to new regimes. And we're also making changes to the Companies Act and other corporate governance legislation to provide relief for businesses from potential insolvency and some reporting requirements. All of these measures are designed to help businesses facing difficulties due to COVID-19 to remain viable and to keep New Zealanders in jobs.