The prospects look even bleaker, because what New Zealanders are faced with over the months that this Budget Policy Statement relates to is not only continuing inflation, continuing increases in the petrol price, and continuing increases in the price of groceries but also ratcheting interest rates. So those people who have saved hard and who have struggled to get into a home will see that their mortgage payments will get ever-bigger and will eat more and more into their disposable income and into the savings they are making for their family. So we have ahead of us, Labour members, difficult times for everyday New Zealanders. 