So all of those changes—when you add it up, what is this going to mean for your average mom and pop landlord? What it's going to do is it's going to pile on the costs. It's going to make it actually less worthwhile to lease or rent your house out, so it's going to reduce the supply of rental properties on this market. It's, in fact, not a carrot but much more a stick approach to landlords. It's going to raise the costs for renters like myself and the many thousands of Aucklanders who rent throughout this great nation, in not just Auckland but throughout New Zealand. It's going to raise the costs even more on those that rent. 