I want to talk first about the mum and dad investor, and the myth of it. I lived at a time when a lot of people, because they were wealthy enough to have some capital, were able to buy a house, and they bought that house because they had the capital plus they had tools like interest deductibility, and that interest deductibility meant that they could offset a lot of those costs, and the cost wasn't captured, because the capital gain wasn't actually captured at any point. Those people are not mum and dad investors. They own a lot of land, and what we are actually doing if we don't put this through is we are protecting those people at the expense of others—because there are losers in this system. One of the losers is the first-home buyer. They miss out on these houses. When they are sold under this scheme because somebody wants to invest in housing, that house investor will reinvest that money. They will invest it in things like the economy, which will be good for us all. They may well choose to invest it in new housing, and that will add to our supply. Those are win-wins people, because the other house that comes into the market will, hopefully, go to those first-time homeowners, and I'll be pleased to see that happen.