Rt Hon JACINDA ARDERN: Well, first of all, I would not describe it as a surprise. I mean, what we did say is that we have seen significant house price growth. We asked for advice on how to address that most successfully, and when you look at the evidence around particularly the proportion of the market and lending that has been taken up by investors in the market, it points to us pulling levers in that area. I would also just highlight again for the member that one of the issues, of course, that causes potential increases in rent is simply a lack of supply, which is why we're encouraging investors to invest in new builds. That is where we really would like their support and we're encouraging their support.