The cost of living, of course, is another factor, and we've got inflation with a capital "I", but, of course, more generally, the cost of living in a way that might not be captured in the Consumers Price Index (CPI)—for example, when a Government excludes the cost of housing increases, whether that's mortgage loan payments or rent, which have seen rise in a rampant fashion in the last 3½ years, and to be fair, to a lesser extent before that.