Rt Hon JACINDA ARDERN: No, that is not what I'm saying. What I'm saying is that if you are looking at initiatives that will make a difference to tilting the balance for first-home buyers—as we long flagged we would—and if you're seeking advice to do something about the increasing impact of speculative demand in the market, then, of course, we would look at a suite of initiatives in this space. I fully acknowledge that not everyone has anticipated that we would do that.