Hon GRANT ROBERTSON: As the member will be aware, I wrote to the Reserve Bank Governor on exactly those issues, in particular the question of whether or not there should still be interest-only mortgages available to investors, and also whether or not debt-to-income ratios could be applied to investors; I'm awaiting a response from the Reserve Bank on those matters. I do note, in the context of ideas that have been put forward today around the housing market, the question of debt-to-income ratios and first-home buyers is a very tricky one, and if those debt-to-income ratios were applied broadly, I think there might be more inequity in the housing market—that's the issue I've raised with the Governor.