Hon PAUL GOLDSMITH (National): I suppose the difficulty that I have is that the Minister is saying that the scheme is focused on vulnerable but viable businesses, and yet the scheme is, effectively, set up to write off two-thirds of the money that it loans out. Surely that can't all be accounted for by one year of interest free? If it's being lent out at the percentage that the Government's able to borrow, I can't see where the loss is coming from. So it must be based on the assumption that they're expecting a lot of those loans not to be repaid. So how does that square with a scheme that's supposed to be targeted at vulnerable but viable businesses?