And of course, all that was before we suddenly have some real headwinds, which unfortunately is known as COVID-19. That is the issue—that is the issue. We now have people very, very worried in the economy. The thing is—and I spoke about this the other day and some members from the Government laughed at it. The real issue at the moment for those 500,000 small businesses in New Zealand—the issue that will be keeping the husbands and wives awake at night—is not the thought of whether they might get a dole payment, but simply whether they've got enough money to pay the wages tomorrow morning. That is the primary issue that our business owners in New Zealand, spread across all the small townships in New Zealand, rural New Zealand, as well as in the big cities—that is what's keeping them awake at night. That is the fear. That is the fear for these people, because their employees are part of their family and they're worrying about how they're going to pay for them, how they're going to pay for those wages. 