My content of this speech today will focus primarily on the large Supplementary Order Paper 64—which many have already addressed—on tax deductibility and brightline changes, because there is a housing affordability crisis in this country, but it is not one that is being felt equally. We know that because we know from Statistics New Zealand data that it is the case that those who rent spend a higher proportion of their income on housing, and, of course, also on other essentials. Those, on the other hand, who have speculated on housing like they are playing a game of Monopoly have profited handsomely, particularly over the last two years, while New Zealanders on the other end of the spectrum are, frankly, being screwed. They're not being screwed in a vacuum, though. They are being so by intentional decisions by that Economics 101, rational man who exploits the system. 