Ordinarily, of course, the law—well, at least I should say, sometimes the law frowns upon retrospectivity, most obviously in the criminal law. We don't make offences or punishments that didn't exist at the time that the offence or the act or omission was committed or took place, but in this case it's something of a victimless crime. There's no particular reason not to allow these things to be retrospectively validated. Frankly, that's good for the good name of the New Zealand Government. It's also good for the individuals, the citizens, or permanent residents, as the case may be, who are overseas and who have been made such loans in their distress and, as others have pointed out, subject to various terms and conditions of the repayment.