What I think—and this brings together Mr Bayly and Mr O'Connor's comments and questions. What I think we've got to be aware of is we are performing better—far better, in fact—against forecast. But bear in mind that the forecast was a very, very dark situation for New Zealand. And so we've got to be a little bit careful about making sure that we're aware that we're coming back from there. We're still not back to where we were and we won't be for some time. Also, the volatility of the COVID-19 situation does go on, Mr Bayly. COVID's not finished, and we only need to watch the news every single night to see that. Nor is the economic impact of COVID yet finished as countries around the world, the Government support starts to come off, and that's places like the UK where they've kept their equivalent of wage subsidy, the furlough scheme, going and going and going. As those supports do inevitably start to dissipate in countries around the world, that will have a flow-on effect on the global economy, let alone the uncertainty of the immediate health impacts. So COVID is not over.