We have a Government here who has blamed everyone. Remember when it was people with Chinese-sounding names? That was their fault. That was Rob Salmond from the Prime Minister's office. He ran that one. We also had Phil Twyford running that and he's now in charge of disarmament. But given what they're doing to the military these days, there won't be anything to disarm. We have, in fact, records being broken. What they've done, too, is that they have blamed speculators. So who are these speculators? Speculators, apparently, are mums and dads who have saved up, paid off their own mortgage, and bought a second property to rent out so they can keep themselves in a good situation in their retirement. They've picked on them, gone after them, and at the same time they have failed to produce the houses that needed to be produced. They've cut out the private market, made it harder.