I want to just refer to one submission, and it was just one that I picked at random from a small-business person, Deirdre Morgan, who came to the select committee and said, and I quote, "On a practical level if an employee is earning $20 per hour and working 40 hours per week, the potential additional cost to employ that person is $800 per annum in sick leave. In addition to that, the company may need to employ a temp worker to cover that period, and that could cost another, say, $1,400 for the same period. Therefore, the total cost is $2,200 per year in extra sick leave. But if there are 10 employees in that business, then the potential added cost is some $22,000." So one gets an idea how quickly this escalates and snowballs in terms of the cost to small business. Why is this a problem, particularly for small business? Because small businesses don't have the capacity to cover in the way that large businesses do.