Rt Hon JACINDA ARDERN: Because we are pulling those levers, and the member will have heard me list in this House. Everything, for instance, around reforming interest deductibility, which we have seen the extension of that brightline test, which we're already seeing in the mortgage data, is contributing to the fact that there are more first-home buyers now in the market. And investors now, in terms of their take-up of mortgages, are down at around 16 percent. At the same time, we have to make sure that rental properties are available. We are doing all we can, though, to make sure that we have a rental sector that is affordable and where we have more long-term stable tenancy for our renters.