Another question is: will it help businesses keep together? As the recovery eventually comes, we need the nexus of skills and relationships and capital that make up businesses—whether it is the pizza joints on Manukau Road in Auckland or a much bigger business, it needs to be able to stick together. A suggestion on that for the Minister of Finance: he has got, I think, a very good scheme negotiated with the banks to help businesses struggling with credit—that's a good initiative. It works for those customers of the four big Aussie banks, but there are smaller local banks whose customers, for the most part, have less than $250,000 turnover, and they don't qualify. I think that that should be addressed.