Of course, I'm also looking at the IRD view, and they were very clear about their advice. Inland Revenue recommended against both extending the brightline tests and denying interest deductibility. So I think Mr Goldsmith's points are actually very valid. Minister, and I'd like to get your views on that and why you think both Treasury and the IRD are wrong in their assertion or their view around the impact this will have, particularly on rentals and rental prices, but also on the price of houses going forward, because both of those are covered.