But of course there is a cost to doing all that, and it's particularly a cost that falls on lower generations. I was reading an article in the New Zealand Herald by another member of this House called Brooke van Velden, and she said that the impact on younger generations is twofold. One is that we've just taken on $140 billion over the four years—that's what the Government is proposing to do. Now, New Zealand hasn't increased its productivity—which I hope to get to in a later speech—but has increased its debt that it needs to service. Even if interest rates don't rise, and I'm sure they will, it's still an enormous amount of principal to service, and, second of all, a combination of monetary and fiscal impulse means that asset prices have gone through the roof in New Zealand: $200,000 for the average house. A couple in their 20s trying to save a 20 percent deposit on an extra 200 grand, they've got to save 40 grand after tax to stay still. They feel their future slipping further away.