Mortgage rates are impacting the economy and hard-working Kiwis, and we've got a Minister of Finance—Grant Robertson—who is absolutely addicted to spending. I want to give you a bit of an insight in terms of what we can expect this time next year. When we are sitting, looking at where we are in terms of an economy, it is no doubt going to be in a significantly worse position than where we are today. The Government has only got around $2.5 billion to spend next year, and that is still a huge amount of money. But I can pretty much give some idea around the fact that I bet you that with this Minister of Finance, there are going to be more taxes for hard-working Kiwis, there's going to be more debt in this country for a country that can't afford it, and there's going to be more Government spending. That is the reality of what we are going to face in 2023.