Noting that this is not something that's not unique to New Zealand, but is something that we are uniquely experiencing in New Zealand. But if we look overseas, for example, the United Kingdom is facing its biggest drop in living standards since 1956 as wages fail to keep pace with rising prices. Living standards, the disposable household incomes, when adjusted for inflation, are expected to drop by 2.2 percent this year, the biggest fall in a financial year since records began in 1956. So this is a serious, serious issue that New Zealand is facing.