I find it slightly inconceivable that in terms of relying on how the banks are operating, he's going to rely on the Bankers' Association to provide those figures. I would have thought at the very least—and my question to the Minister is: has he actually spoken to the Reserve Bank and requested those numbers? I think it's a very important differentiation. If the banks have spent $5 billion, as the Minister quoted before, since the start of the COVID crisis, if that has gone into residential lending, which is the best form of lending from a banking perspective because that offers the highest and most flexible security arrangement, i.e., a house, that is largely unproductive lending and that is not going to support New Zealand businesses getting through this time of need.