When I arrived in New Zealand, I complained about being cold.
I heard lots of harden up. And put on another wool-y jumper.
Houses in New Zealand are cold and damp. Most houses do not have insulation or forced-air heating.
The NZ Labour party is still trying to pass legislation to encourage homeowners to put insulation in their houses.
I guess our landlords put in double-glazed windows because they pretty much had to.