The other thing I want to turn my mind to is the issue of the loan scheme that my colleague from ACT, Mr David Seymour, raised. I think the Minister should be upfront. The loan scheme that the Government has introduced was nicked from the UK. The UK was the one that thought up this loan guarantee scheme. That's where it came from and the New Zealand Government merely went and grabbed that and applied it to the New Zealand situation. There is no creativity in that. That was a scheme that was in operation. And, as the member for ACT has noted, there is an 80:20 rule around guarantees, so what is meant to happen is that the Government is meant to stand behind 80 percent of the guarantee when it came to a position of last resort at the end of the funding round, but in the meantime, the scheme is to be operated by the New Zealand banks, and they were potentially at risk for 20 percent of the loan. 