I'll refer to a column by Marc Daalder from Newsroom, who said, "The average house in Auckland, Tauranga, Wellington, [the] Kapiti Coast and Queenstown earned more in untaxed capital gains over the final three months of 2020 than the average New Zealander earned in pre-tax income over the entire year." You may remember that our Minister of Finance wrote to the Reserve Bank asking them what to do with regard to the ballooning housing crisis and the housing unaffordability issues that came up in question time today, further and further escaping particularly first-home buyers. In both that response from the Reserve Bank and also other letters which have recently been uncovered by Stuff.co.nz's Thomas Coughlan, the Reserve Bank of New Zealand has advised that when it comes to unconventional monetary theory or application, as the case may be, such as quantitative easing, it is for the Government to take action to deal with the social consequences thereof. It is for the Government to figure out how to best implement policy—be they laws or regulations—to ensure that inequality does not take deeper root in this country.