Rt Hon JACINDA ARDERN: The member seems to ignore the fact that we have been very focused on trying to even up the playing field for first-home buyers in the housing market. And what we have seen is a reported reduction in the percentage of mortgages going to investors, and according to CoreLogic, an increase in the percentage of first-home buyers in the market. We wanted to see first-home buyers accessing the market. At the same time, we have taken steps to try and ease the pressure on renters, ensuring that there is only able to be one rent increase per year, dealing with the fact that there had previously been a situation where they were bidding wars for rents, and introducing requirements to ensure that homes are healthy, warm, and dry. The last Government took none of these steps and left us with a housing crisis.