I want to add that there's some other issues related to cost, of course, in the lower income area that we've seen significant changes to because of Government policies. So we've got electricity prices going up at record levels. We've got food prices going up at a great rate. We've got problems with bringing products to New Zealand because of the transport networks around the world suffering—and that's something you can't really blame the Government for necessarily, but none the less something that's going to cause considerable concern for our poorer people in New Zealand, particularly as the cost of everything goes up dramatically.