I think about a family in Tokoroa who work incredibly hard—multi-generations who live in this family who are struggling to stay in their rental property because their rent keeps going up. Actually, a couple of years ago, they were aspirational to one day buying their own home. With interest rates the way they're going—and they'll be up for a long time—an average mortgage is potentially going to be $200 or $300 a week more in mortgage payments. They've just kissed that dream goodbye. 