I had a look at the eligibility, and, of course, you have to, according to this—and I'll go into a little of that later on—earn under 70 grand a year to qualify. Well, there is 495,000 Kiwis who earn between $70,000 and $100,000. And what about that point that was made by the ACT member before around the fact that "low to middle income" has not even been defined by Treasury? This is an absolute scam. It is not dealing with what the title of the bill says around impacting and benefiting low to middle income New Zealand. It excludes a whole lot of people. The criteria, actually, will end up to say that, actually, a large number aren't going to get it.