We understand that interest rates have caused pressure on Australian households, and, of course, we have seen a series of increases in interest rates, 13 of them, which began under the former government, to the point whereby the Reserve Bank will meet tomorrow. And the rate is, of course, 4.35 per cent. But that is less than the United Kingdom, where it's five. It's less than New Zealand, which is 4.75. It's less than the United States, which is five.