So there's a lack of jobs, there's a lack of housing rental stock, and we've got a slowing economy. Now, at lot of that is due to the COVID crisis that we're seeing around the world, but it is an undisputable fact that the economy was slowing before COVID came in. It is also an undisputable fact that this Government inherited colossal surpluses from the previous National Government and, within two years, have burnt through the lot and were projecting a deficit before the COVID-19 crisis came along. They were already projecting a deficit, and now we've got colossal deficits and we'll be looking at debt going up perhaps $140 billion. 