Talking of property, the Government's cocktail of policies will lock and is locking our younger generations out of homeownership. New banking regulations are making it harder for people to get a mortgage. Interest rates will rise as a result of inflation skyrocketing, and the new DTI—debt to income—limits that Grant Robertson has allowed the Reserve Bank to look into and investigate will only make it much harder for first-home buyers. Weekly rents are up by $125. Almost 25,000 people are on the waiting list for a State house. That's a fivefold increase in four years. Is it any surprise that these Kiwis do not feel part of the team? 