This Estimates debate should be a marker in New Zealand's fiscal history. It is a debate about New Zealand's response to COVID-19, ultimately. Time and again, we find the Government saying, "Aren't we doing a good job? We haven't made the mistakes that other countries have made.", and they're able to say that because, time and again, New Zealand faces challenges under COVID-19 later, because we are further away from the source of the original and new variants. That, in a way, has been very welcome for New Zealand, but there is a cost to doing so. That is the amount of money that is being spent by Government, the debt that is rising, and the challenge that younger generations are facing in getting into the housing market as the fiscal stimulus to the economy is matched with monetary policy stimulus that has seen average house prices rise by $200,000 in a year when the borders were closed and there was no immigration whatsoever.