Now, when we think about the significant cost implications that are being placed on New Zealanders over the last few years, this is just another cost that is going to make it incredibly difficult for them. The cost of living has gone up massively—whether that's power or fuel or some food items; any number of areas you can look at where we have seen significant cost increases. And, if you're a family on a low-income wage, looking to replace a vehicle, and you've seen a $100 per week rent increase, you've seen a massive spike in your electricity prices, you're having to pay a lot more for your fuel because you've got a fuel tax on top of the increases that we've seen, this becomes incredibly difficult. And I cannot understand how Ms Genter can stand up and say that this bill will save people a lot of money and also that this is a fair policy.