Two last points. In relation to Te Tumu Paeroa, can I commend Te Tumu Paeroa, who announced on the back of the loan scheme that they had a targeted scheme for Māori land owners. They contributed $10 million towards this. It was recognising the hardship that would be felt amongst some landowners as they tried to reposition or pivot their business. That was done based on an assessment of need, of Te Tumu Paeroa understanding their client base and being able to reposition their resources in a very adequate way for this time.