The large-scale asset purchase (LSAP) programme that the Reserve Bank and the Government were running had the effect of converting fixed rates of debt to short-term floating debt and making debt-servicing costs more sensitive to changes in interest rates. What that really has meant is that it means that the future is riskier for us than it would have been if we had not done the LSAP programme. We moved from fixed to floating right when interest rates were about to rise, and that means, according to Treasury, that the loss on the balance sheet and the reduction in debt-servicing costs are no longer expected to cancel each other out or offset each other, and, based on the interest rate expectations, the net direct fiscal cost from the LSAP programme was expected to be $5.1 billion—and even that is out of date and it's now around $8 billion. The real question is then: why is it that the Reserve Bank of New Zealand kept doing LSAP despite our economic performances actually being strong by global standards? You know, they have set us up for future risk, much more risk than we should have had. And there is no such thing as a free lunch. People will have to pay that back, and it will be future generations.