Rt Hon JACINDA ARDERN: Given the member has referenced the ASB report, I would again just acknowledge that, in that same report, it pointed out that, since the end of 2017, when Labour came into office, disposable incomes have been, and will remain, higher than consumer spending in 20 out of 21 quarters, through to the end of 2022—a point that, of course, we've continually made in this House. We of course acknowledge, though, that we are in a period where the contributing factors of the global economic recovery from COVID-19 and, of course, the war in Ukraine are causing an impact on the cost of living. We've already seen the response: the universal application of that lift in fuel excise of 25c per litre and the road-user charge (RUC) is aimed at helping every consumer who, of course, relies on those petrol prices to be as reasonable as possible. The second point is that, actually, 60 percent of families will be reached by the changes that we're making to the family tax credit. That is a large portion. Working for Families does reach into middle-income earners, and that's where we've increased the family tax credit.