Rt Hon JACINDA ARDERN: Of course, what we have seen in our interest rates in New Zealand is that we have had historic lows, and that even with the official cash rate (OCR) adjustment that we have seen the Reserve Bank announce today, that would bring us back to a point that's less than what we were even seeing in 2017 and at the point of the election. It has been historically low. We do, however, have concerns over whether or not we might have families who are overleveraged in the market because they may have purchased at a time during historically low interest rates. That is something that we've been very mindful of, and making sure that we look at what's happening in our housing market to ensure that those families have all of the support and best advice possible when making those significant purchasing decisions, so that they can weather changes in interest rates.