It's also around the fact that these banks, the big banks—oh, and Kiwibank—have, in my cases, shut up shop in our suburban New Zealand, and in the Queen Streets, and in the Lambton Quays. So, for instance, in Papakura, in my electorate, there are now no trading banks open. That is a part of Auckland that is growing substantially, and yet, trading banks, if you're a business owner and receive cash, and you have to bank that cash for, number one, your own safety but also to make you're complying with all the regulations and rules that you now have, and to make sure that you don't suddenly have this cash disappear, or you're subject to a burglary because people know you keep cash at home—you have to go down to Manukau. So you have to go all that way at some time during the couple of hours a day that the bank is going to be open.