Rt Hon JACINDA ARDERN: You can see by what we're trying to do on the demand side that we are trying to reduce some of the demand we've seen by those who are operating in a speculative way, and you can also see that from the recent data, we have had an additional proportion of the housing market taken up by those who identify as investors and by those who have multiple homes already—so that, in the last quarter, my recollection is, was making up about 40 percent of the market. So we expect that some of our demand side measures will have an effect there, and that will make it easier for those who are purchasing their own homes. 