The other aspect in terms of what will impact us in terms of the next 40 years is that the interest rates have nearly doubled in the last two years. And so what that means in terms of the affordability for Kiwi households is that the ability to repay that mortgage is going to take longer for a home loan, and it also means that household budgets for Kiwis that are out there today are going to get tighter and tighter, and that is real pressure.