CHLÖE SWARBRICK (Green—Auckland Central): E te Mangai, tēnā koe, tēnā koutou e te Whare. Today, I am standing to talk about an issue that actually was relatively well highlighted in the Financial Stability Report as aired at the Finance and Expenditure Committee earlier today, which is the housing crisis, and we heard there from the Reserve Bank of New Zealand that they have an immense amount of focus on the need to stabilise our housing market because, at present, it poses a huge amount of risk to our financial system. Now, I've spent oodles of time in this House speaking about this feedback loop which has created over successive Governments and through the likes of the Reserve Bank of New Zealand's monetary policy almost a "too big to fail" kind of mentality towards the approach we have been taking to ever-escalating house prices. 