Let's turn to housing. We're working on addressing the inequalities which have exacerbated the housing problem, and we're making progress. One of the things we want to do is address the issue of interest deductibility. In a high-inflation environment, that is even more important. I want to try to step aside to something a little more technical. We asked advisers what the impact of inflation is on interest deductibility and we were told very clearly that the whole tax system works on nominal interest rates. That's kind of the headline interest rate, not real interest rates, and they can differ significantly. The real interest rate in simple terms is the nominal interest rate—the number—minus inflation. So when inflation is high, interest rates can be low, and effective tax rates are even lower. So advisers noted in December that the interest rate on a floating loan was 4.9 percent, and inflation was 5.9 percent. What's the real interest rate, then? Negative 1 percent.