Then on top of that, we're going to be back in deficit this year. Can you believe that? So a Government that inherited massive surpluses after a prudent Government led by John Key and Bill English, and Steven Joyce—big surpluses, billions of dollars. So they've been unable to increase Government spending by 8 percent last year, four times the rate of inflation, and yet within three years they are projected to be back in deficit. That, frankly, is a disgrace, but it also is a real concern for New Zealanders because, you know, we're all just seeing right here right now the potential impacts of something like coronavirus, which is having a real impact on particularly the tourism sector, but also forestry, also international education. These are the things that you can't predict. Nobody would have predicted this would have been something we were talking about this month. But it comes out of left field. That's why you have a surplus. That's why you have some flexibility in the financial account—so you can handle things that you're not expecting. 