Hon TODD McCLAY (National—Rotorua): Mr Speaker, thank you very much. Ron Mark, the last speaker in this debate, talked about small businesses in New Zealand and the people who own them and run them. He said that they were the real heroes here, that they'd put their own livelihoods on the line and, indeed, that they'd put their houses, in many cases, as security, and that they would work hard and that they would get through this. I agree that they have worked very hard—they always do—but I think it's far too soon for the Government to say that they will work through this economic crisis and that the security of their houses will hold them in good place. 