Then we look at the rural space and in the rural Waikato there's a lot of pressure at the moment. I do commend the Minister of Agriculture for just on Friday announcing a medium-scale adverse event in terms of a drought declaration there. It's been incredibly dry and I just want to acknowledge all the farmers going through some pretty tough times there. As if that weren't bad enough, they were already feeling under pressure and we'd already seen confidence levels at historic lows late last year. That was despite, at that stage, still relatively favourable weather conditions, low interest rates, and, indeed, pretty good returns for their products, whether it was milk or beef or whatever it might have been. 