so it's a lot more money out of our disposable income. plus, our energy costs are going up as well as everybody�*s are. it's going to be a struggle. this is the challenge. the bank of england aims to keep price rises inflation at 2%, but look at this. it's still close to a four—decade high, but on the bank's projections, it has now peaked and should fall. in fact, it will fall a bit quicker because of the extra support offered by the government on energy bills. it's not only beginning to come down, but it was a little bit lower than we thought it would be and that is obviously very good news, but we have a long way to go. and we expect that to happen, by the way. we expect inflation to start falling more rapidly probably from the late spring onwards. but there is a risk that it won't happen in that way. so, interest rates were again put up today by governor today by governor bailey and colleagues. the latest of nine rate rises that have taken rates up to 3.5%. what's interesting here is that this latest is that this latest rise was smaller,