I thank Senator Paterson for the question. I am not here to give individual mortgagees financial advice on how much—

It depends on the terms of the mortgage and the amount of the mortgage, clearly. What I would say is that no-one with a mortgage will be happy with the decision of the bank today. I'm just reading through the statement by the Monetary Policy Board, which I'm sure you've all read as well. It does go to the issues that have fed into making their decision today.