Hon GRANT ROBERTSON: What advice I have receive—and the member will have seen this in the public arena as well—is that around half of New Zealanders who have mortgages would expect to be needing to re-fix them over the next year. Not all of those people will suffer financial stress as a result, but all New Zealanders are suffering the pressure of the global inflation spike. It's the reason why we've stepped in to support New Zealanders through things like our 1 April package and the cost of living payment—all things the National Party continues to oppose.