Hon TODD McCLAY (National—Rotorua): Madam Speaker, thank you. He weaves a real web, that Duncan, the last speaker in the debate. Because, actually, if you just say you have a plan and everything is OK, the public will believe you! But that's actually not the case as we look around the country today. Mr Webb said they're not a Government that sits on their hands, but in housing, if they did just sit on their hands, actually, the country might be better off, because, rather than that, they're putting their hands up in auctions and buying houses from the private sector that mums and dads, those first-home buyers he was talking about, are not able to buy because they don't have—it's not the taxpayer's cheque book behind them; it's actually the money the Government is borrowing that the taxpayer will have to pay for in the future to take houses out of supply.