Hon GRANT ROBERTSON: That particular study from Infometrics makes its judgment based on, effectively, the capital gain that someone will get over the lifetime of purchasing that house. So they do a guesstimate of what they think interest rates will be over a 25-year period. I think when most New Zealanders are considering whether or not it is a good time to be a first-home buyer, they are considering how easy it is to get into the market. On this side of the House, we've done demand side measures such as the interest deductibility removal, such as the extension of the brightline test, such as the ban on foreign buyers, and we're building more houses than any Government since the 1970s. So I don't agree with that report—