So come 20 September, it will be too late, because long before that, those businesses will close. And the members opposite say, "Well, actually, it will be OK with this loan." There's not a single travel agent in the country who's said they're able to get that loan, because of uncertainty, and there are thousands and thousands of New Zealanders who have done what was asked of them, who have sacrificed, who are about to lose their jobs. The Government needs to take action on this long before the election, because by the time the election comes around, it will be too late.