CHRIS BISHOP: Anyway, I was going to tell you, Madam Speaker, and Mr McAnulty, about my first house or apartment—you know, my first home, which was an apartment. And like many New Zealanders, I bought my first home in my mid-twenties and I couldn't afford a house. I was living in Auckland at the time and I could see house prices going up. And like many Kiwis, you want to get on the property ladder and you don't want to miss out; you've got FOMO, fear of missing out, and that drives a lot of price increases. This was back in 2013 and the first home I could afford was an apartment and I bought an apartment in Ponsonby. I can testify to the House that the prospect of owning an apartment did scare me, because you do hear the horror stories—you do. You read about people who buy apartments and it all looks great when you first turn up and you buy into the body corporate, and then a year later, you find that you're up for the lift, which has broken down and no one has put aside the money to upgrade it. And you're stung with a 15 grand bill, and when you've just bought the apartment, you probably don't have that much spare cash lying around. So you do read these stories.