There are so many things that are making it harder in the meantime, while they're trying to get mortgage approval, to even save. Rents are going up, the cost of living is going up, you know, going to the weekly shop and trying to fill the basket is just getting so much more expensive. Every time you fuel up at the petrol pump, it's getting more and more expensive. But for the landlords and the rents—we've had the healthy homes standards, we've had interest deductibility, we've had brightline standards being extended, and Kāinga Ora is also in the bidding, making house prices even more expensive. There's just so much bureaucracy, which is making it hard to get ahead as a New Zealander.