The problem is that this Government's announcement fails at its second task. Not only will the announcements on housing this week be ineffective at fixing the housing problem—like the other policies—but they are also the most nasty and divisive policies. We heard it from the Minister of Finance in question time this afternoon. He said, "You have to pick a side." And hasn't this Government made people pick sides? They've said they are tilting towards first-home buyers, meaning that they are attacking the speculators—so they call them, but it turns out that many of those people are just property investors.