So it's important and appropriate that the Government and Parliament take seriously the fact that, at the moment, on our statute book we don't have the ability for our Ministry of Foreign Affairs and Trade and its various representatives overseas to make the loans that others have referred to. So we don't even need to concern ourselves with the theoretical possibility of an action that's not expressly authorised but nevertheless may be legal because it's not prohibited. In fact, as others have explained, an amendment to the Public Finance Act 1989, which was made nearly 10 years ago, put the situation such that loans cannot be made in these circumstances. Prior to that, as others, from the Minister onwards, have explained, it had been a longstanding practice that New Zealanders in distress would be able to have loans made to them in certain circumstances, and the criteria are set out in this bill, presumably carrying on that previous tradition and, indeed, as I say, authorisation that such loans could be made. 