I want to touch on the issues that my colleague Mr Smith was talking about in respect of the impact of these changes on residential rentals. I think he's right, although I think the biggest impact on residential rentals is going to be if the Government does carry out its plan to remove interest deductibility, which is not subject to this—although I note, similar to the 15-year and 20-year options, the regulatory impact statement does refer to what would happen. In fact, Treasury said, on page 60, "Treasury does not recommend progressing the interest deductibility proposal without further analysis." So that begs the question of, similar to the 15-year and 20-year options—and I appreciate the Minister's candour that Cabinet did consider longer terms: did it also consider in this basket of changes doing interest deductibility this week, and did it ask Treasury for advice, and did it decide, on balance, not to do them because there were risks and benefits that were not clearly understood? 