Clearly, there are a lot of different channels through which these events have had an impact.
As I mentioned previously, COVID itself had a counterintuitive result. Because of high levels of government support, the household sector ended up accumulating savings and ended up in a fairly strong financial position at the end of it, but clearly, when you go into a situation of economic uncertainty, such as what we've faced over the last year and a half, it is reflected in less confidence and willingness to make major purchases and less willingness to borrow. It also means less willingness to spend, so you have these knock-on effects of generalized weakness in the economy, which itself will have implications for incomes and for the financial health of the household sector itself.