Now, members opposite can scoff at that, but wait and see what happens over the coming weeks as business after business has to lay people off because they don't have the resource to keep them on. When the Prime Minister says, "Actually, it will be OK, because we are expanding the criteria around the Government-guaranteed loan scheme offered to businesses, and particularly small businesses.", what members opposite don't realise and what the Prime Minister forgot to tell New Zealanders is that for very many businesses in New Zealand, they can't get access to those loans, because the Government has offered an 80 percent guarantee and the bank needs to give a 20 percent guarantee for that loan. In many cases, the banks won't lend the 20 percent, because they don't have certainty of when the economy will fix itself, they don't have certainty around the Government policies, and, when it comes to the tourism industry, they have no certainty of when the Government is even going to start talking about things that will help the industry get back on its feet, even safe, short-term things today that would make a difference.