McKinsey, which is an American consultancy, said that in the States they saw five years' worth of digitisation taken up in eight weeks. Now, this was an American study, but from what I have seen, I suspect it's probably the same in New Zealand, and even pre-COVID—but certainly during COVID, and in this time as we recover—I have been saying ever since I've been the Minister for Small Business that I think this is probably the last generation of business owners that will survive, let alone thrive, without being digitally enabled. The reason I say that is nearly every single Government initiative that is targeting the small-business sector involves some form of digital enablement. Whether that's e-invoicing, which will allow small businesses to be paid and to pay within 10 days—in fact, at the moment the Government is paying 95 percent of its invoices within 10 working days, and in terms of cash flow and dealing with the Government, that is huge. 