This is an entirely possible reality, because, in fact, student debt was only introduced in 1992. It was a choice to do that. Since then, student debt in this country has ballooned to $16 billion. The New Zealand university students' association actually held a "sweet 16", kind of lamenting exactly that fact earlier this year. The average balance for all of those who have student loans around this country is, on average, more than $22,000 per person. That is an immense amount of money for younger people in particular but also those who have lost their livelihoods and who are seeking to retrain to carry into the future as they seek to contribute. And nowhere has this commodification of the education system—the higher education system, the tertiary education system; heck, even in apprentices and in polytechs—been more obvious than in the commodification of student accommodation. It is an issue that has been brought to light, particularly in the mainstream media, over the past few weeks.