But here's the problem: first of all, a lot of very poor people can't afford a house. They need a landlord; they need a house to rent. So we forgot about them in this equation. But here's the other problem: the main effect of this policy is that we're going to take more money out of housing and put it into the Government's coffers through the Inland Revenue Department. And, on average, a landlord is going to pay another $4,000 a year in tax because they won't be able to claim back a deduction for their mortgage interest.