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If you have a mortgage, it's a financially painful time, with interest rate hikes in consecutive months. The latest one caught just about everyone off guard, coming in higher than expected at half a percentage point - the biggest increase in more than 20 years. Today, the ABC's business editor, Ian Verrender, on why the Reserve Bank is hitting us so hard when the cost of everything else is going up too. Featured: Ian Verrender, ABC business editor