Rt Hon JACINDA ARDERN: I think you'll find that in the global financial crisis, we saw a downturn as well. We are not going to let that happen on our watch. We are working as quickly as we can to make sure that we do not have an environment where, right when we need these projects, we see people backing away. But the member is oversimplifying. Many developers, for instance, are experiencing tighter criteria and loaning requirements from their banks. There are a range of factors at play. We are trying to counteract that with our investments. 