Then there's the mortgage interest deductibility. Now here's the thing, when this policy was introduced by the Prime Minister, Jacinda Ardern, she said, "We're going to tilt the playing field towards first-home buyers." Well, this is a case study in somebody who doesn't know how to separate intentions from outcomes when it comes to setting policy. Here's how it works. We have a tight rental market; that's why rents have gone up like a rocket for New Zealanders up and down this country. And when extra costs go on to landlords in a tight rental market, what do they do? They increase the cost of rent. And if you put an extra tax on landlords, what is that going to do to tenants? They're going to have to pay more rent to help the landlord cover the tax.