In terms of where we are nationally, it is incomprehensible to me that the normal approaches to good housekeeping, which are thrust upon all people in all places, are not adopted by Government. Over the years, I have heard Minister after Minister talking about the importance of multiannual budgeting and a multiannual approach. Multiannual accounting must go along with that, which may sometimes require borrowing. There is no substantial credible case against borrowing at this time, when we all agree that infrastructural investment has two key aspects at a time of depression. First, it is a good injection into the economy but, more importantly, it provides the net to get out of a depression. We need an infrastructure to do this.