How do they do that? Well, we know that they're able to outcompete over time first-home buyers, really, because they're the ones that are dropping out of the market, by leveraging their existing asset, plus the asset that they're purchasing, effectively often borrowing 100 percent of the cost of the new property with the debt spread over the new property that they're purchasing and the old property that they already—not the old property, but the properties that they already own. The effect of which has been putting upward price pressure on properties. It's been one of the contributing factors to house price inflation. I know there are a lot of other factors in there, including the lowest interest rates that the world's ever seen that have been visited upon the world, probably by Mr Greenspan and his mistakes prior to the global financial crisis in monetary policy around the world since. But against the background that there's a decreasing number of people living in their own home, this side of the House believes that the tax advantage that comes from tax deductibility of those high rates of leverage that can, really, only be obtained as an investment methodology from this class of investment is undesirable socially, and we believe that justifies the measures that are proposed.