Hon MICHAEL WOODHOUSE: Yes, it is. It's a revelation to some in the House, Ms Pugh, but that is where it comes from. There is no golden tree at the end of the lane, and so, effectively, small businesses are paying 1½ times. They're paying for their own costs that have been imposed and for their employees—all good—but they're also having to pay for the State employees, because that's where the salaries come from. They come from the pockets of hard-working New Zealanders earning through their small businesses.