So the external factors that analysts consider when they look at New Zealand's debt position are the current account deficits, which are pretty high relative to other countries; our negative international investment position; our high household and agricultural sector debt, and I go back to that housing issue; the lack of diversity in our exports; and the high house prices, which create a risk to financial stability in and of themselves because, in the event of a correction, New Zealand would be exposed. So I would caution members of this House against taking a Holly Golightly approach to our debt. We have high debt, and we need to be careful about how we accumulate any more into the future. We need to look at where our future challenges lie. New Zealand superannuation is forecast to rise from currently 5 percent of GDP to 7 percent in 2061, and health spending needed to support demographic change and rising demand is expected to go from 6.9 percent to 10.6 percent of GDP. My point is that we need to ensure we have a resilient enough Crown balance sheet that we can afford these increasing challenges into the future.