But I wanted to talk about building and construction. But before that, I just want to turn to this issue around the coronavirus or COVID-19, because this is and will have a significant impact on New Zealand. Unfortunately, we've already had the two confirmed cases and unfortunately, it is likely it may increase over time. This has the potential to be very, very significant to New Zealand. Where the rubber hits the road is that it is the small-business owners of New Zealand who are going to feel the pressure. We've got 325,000 small businesses in New Zealand who employ amongst them millions of New Zealanders. This issue and similar such events end up showing where the rubber hits the road: the issue around cash, how it moves around businesses. Debtors stop paying and creditors start calling.