The business debt hibernation also buys time for businesses. I suppose it gives us some certainty, but it doesn't take away the weight that's on the shoulders of small business, where they wonder how they can even come close to dealing with the debt that has been built up over the last five or six weeks—for some, seven and longer. The reduction around the impact of regulations is very important, but, actually, there are many more areas where regulatory reform is needed at all times, but particularly today, to get burden off business. As we look at how some of these business people are going to try and rebuild their lives—how they are going to go out there and try and get their business back on an equal footing—there are many areas of burden from regulation that will impose cost upon them, and if the Government doesn't look to focus and do something about that very quickly, there will be far more businesses that fail that should and could otherwise survive.