Rt Hon JACINDA ARDERN: In answer to the last part of the member's question, no. What I was reflecting was the advice that we have received, which took into account—and, unfortunately, we don't have the data that delineates between residential and investor, but we know that we see high churn under 10 years. That was the basis on which we received advice from Treasury to increase. They suggested increasing out to 15 or 20. The reason we chose 10 was based on the evidence that was provided around where that churn was.