I want to start speaking very briefly about insolvency and corporate law support for businesses to survive and the development which has already been elaborated upon by Minister Kris Faafoi about the concept of a safe harbour. Whilst it is important for firms—whether they are large or whether they are modest—that the directors feel that they have the latitude to continue to maintain the firm's operations despite the threat of liquidity, crunches, or insolvency, Kiwi businesses and the men and women in those businesses need to strike a balance. It would be a very, very dismal outcome if, in actual fact, firms are already insolvent and they continue to trade, racking up bills with their suppliers that will never be paid. So whilst this provision does give the necessary latitude and it removes the fear of litigation and statutory action being taken against directors, it does impose upon those directors an additional duty—largely unenforceable—of judgment to be very, very careful with the decisions that they make. They don't actually have, under this bill—the directors—a carte blanche level of entitlement to engage in reckless behaviour, but much is the fiscal cost of slip between company cup and debtor lip.