So these rates here represent a missed opportunity because they could have been adjusted to allow for that inflationary impact on overall wage levels. The important thing to realise here is that while the tax rates aren't adjusting, the Crown is continuing to collect more and more tax. The impact of this on taxpayers is not only that individuals are having to pay more tax but that they are also in an economy where accessing the things they want to with their after-tax incomes is becoming more difficult. That is where housing is a very good example. 