These are the components that with wage growth not nearly as high as it needs to be to combat that fuelling, that injection of fiscal steroids that Grant Robertson's overdoing, that burning of the turkey is making things worse, that fuelling of Government spending. And of course, it's not just inflation, I made the point, but it's the interest rates that are going to rise and rise and rise given what Grant Robertson is doing. That is hundreds of dollars a month for many New Zealanders, for those Aucklanders. Not just Aucklanders; people in Tauranga, people in Wellington, people actually all over New Zealand now with hundreds of thousands of dollars of mortgage.