That fundamental misunderstanding of what economics drive the lives of poorer people in New Zealand is why this Government is making changes that won't have any serious beneficial effect for them. But what it will do is affect their children—actually, all children who grow up in this country and pay tax and are going to find that when it seems so easy to borrow cheap money, printed by Adrian in his printing press, actually, all of a sudden, with interest rates rising—and they will rise—that debt becomes costly.