ANDREW BAYLY: Rapidly, Mr Chair. I want to return to this thing about fiscal drag, which is a dreadful term, I know. It basically says that as you have inflation in the economy, people's wages go up because of course everyone wants to make sure they're not missing out and going backwards in terms of wages. So their wages get increased, and, of course, what happens is that people pop into the next higher threshold of tax. So at the end of the day we're talking about mums and dads paying tax—more money out of their household budget going to the Government rather than looking after their children, paying for their school fees, or paying for their sporting clubs. 