Look, fundamentally, what we're talking about here, if we are to realise some version of the so-called free market, is to realise that right now the market is entirely geared towards what the so-called rational man in this ahistorical economic theory would absolutely be gearing themselves towards, because you, effectively, have a State-guaranteed investment in the form of housing at present. What I mean by that, if we're to run through all of these facts and figures—in fact, at the Finance and Expenditure Committee, which a number of members presently in the Chamber were present for, we had the Reserve Bank Governor in front of us, I attempted to—but unfortunately was cut off as a result of the time running out—have the Reserve Bank Governor agree or admit to exactly this, because the facts are this: two-thirds of wealth in this country is held in housing stock. Loan-to-value ratios have been so low for so long that many investors have leveraged themselves up to the hilt—many being enabled to do so as a result of the capital gains that have continued to accumulate on the properties that they have in their back pocket. As a result of all of those things, those potential defaults of those mortgages present a huge financial system liability.