Hon DAVID BENNETT (National): That wasn't the question. I understand they would be exempt, and I was using that as the example of who is the new-house purchaser. The new-house purchaser that you're inferring should be under this policy should be the investor, and that is simply not the person in that market. The person in that market is the person that is exempt because they're selling their property once or twice to get there. You're expecting a person to go into that market, which they're not in now, being the investor-type person with only one or two homes—you know, they're not a full-blown businessperson in that regime—and you're expecting them to go into the high end of the market, which is really not configured for them, because it's configured for people that are exempt anyway and would go through a normal process of the life cycle of moving through suburbs, as you do in a community. 