For the majority of w'ānau, finding an affordable house to rent, let alone a house to own, is currently completely unattainable. So while we stand in support of this bill as one small part of the package, it does not address the income inequality and systemic racism that is locking Māori out of the housing market. What is being done to address the fact that Pākehā have a net worth almost five times higher than Māori, while non-Māori have a 13 percent higher median wage; how does this help the 12,000 tangata w'enua who are homeless in their own home; and how will it see more Māori owning their homes when homeownership for Māori is at 26 percent, compared with 41 percent for non-Māori?