Secondly, we think there are a bunch of tools that can be given to the Reserve Bank, and I know some of them have been investigated. One is ending interest-only mortgages for investors. That is incredibly important for the financial stability of the country as well. Put in debt-to-income ratios for investors, and we also think we should look at limiting it to cash deposits for investors, or at least limiting the amount of equity they can take out of their existing home. While we're in this state of increasing house prices, what happens is those who already own property have even more equity which they can then use to buy up more properties and bid up the price of more properties, while those who don't own property are left further and further behind, unable to save up that deposit. Those are some tools we'd like to see the Reserve Bank get ASAP. There is no time to waste.