Hon CARMEL SEPULONI: We absolutely acknowledge that New Zealanders are feeling the bite with regards to the cost of living increases that have come about because of everything that's happening internationally. We are not alone as a country; we are experiencing this alongside so many other countries. We have seen hardship grant increases. That's for a number of reasons. Cost of living surely does play a part, but, also, we have lifted thresholds so that more low-income families can also access hardship support. And we have been going through a pandemic which has seen some job losses, has seen some people with reduced hours, and that has all led towards an increase in hardship need.