It's difficult to overstate how badly this Government has failed. They have managed to be elected to fix housing. In fact, Stuart Nash—he had a few clangers this morning on Hosking—said the Government has "fixed housing."! I would hate to see this Labour Government screw something up if a 22 percent increase in house prices, and therefore a reduction in affordability, is this Government "fixing" something. Well, that's a direct result of the monetary policy that has been used to subsidise the Government's spending. Here's the problem. Eventually it doesn't work because people lose faith in the currency and interest rates have to rise back to the prices that people will actually loan the Government money. And when that happens, having borrowed on low interest rates, facing high interest rates, we are in a mess of trouble. 