Hon CHRIS HIPKINS: I have seen the ANZ study, and as I've indicated before, it is in line with surveys around the world that are showing an increased degree of pessimism and lower confidence, both consumer confidence and business confidence, something the Government does, of course, take very seriously. It's one of the reasons we are committed to addressing some of the underlying causes—for example, the cost of living pressures that New Zealand households face. Those are issues that we are very much focused on addressing.