Most of those people don't carefully track their expenses so they just know that they have less left over after paying for the necessities. A couple of them do track expenses carefully and when I was talking to them a few months ago they said that their personal inflation rates were at least 20% over the previous 12 months. I just checked heating fuel costs and they're up 36% from last year, which is less than I expected given what other people have said about their costs but it's still significant. It's definitely going to be a hard winter for a lot of people I know.