I'm sure that people are going to stand up from the other side in a minute and say, "Lives are going to be improved. It's all going to be fantastic." Well, I suggest they go and read an article that's published today by Interest.co.nz, talking about the hidden inflation inside our economy. It makes the case that if a certain collection of grocery items were put into a basket similar to a Consumers Price Index basket, then the underlying inflation in New Zealand would be something like 7 percent. It makes the case that if there is a 1 percent move in mortgage rates in the next short while—just 1 percent; it doesn't sound like much—on the average mortgage at the moment, that would be the equivalent of a 14 percent increase in payments required. That comes out of earnings. 