DAVID SEYMOUR (Leader—ACT): Thank you very much, Madam Chair. I'd just like to quickly refer back to the contribution to this committee stage by Brooke van Velden, because I think she highlighted graphically, and in a way that clearly moved the Minister, one of the central problems with this policy of removing mortgage interest deductibility from landlords renting out homes. You see, the Minister of Revenue stands up and he says, "Our goal is to make sure that more people are owner-occupiers and fewer people are landlords with tenants."—that's their goal—and the problem with that is that the people who are currently tenants are collateral damage, and some of them are very vulnerable people in very difficult situations. That's the central problem. 