In respect of another issue, we certainly do not have perfect tax settings around housing in New Zealand—we don't. And it's been one of the reasons why house prices in New Zealand are amongst the least affordable in the world: it's because of the tax bias in favour of that asset class, and that partly relates to interest deductibility, because interest payments are not wholly an expense. Even if I was to accept the National Party logic here—and I don't—and even if I was to accept the theory that housing is like any other asset class and all related costs should be deductible, that's only true of real costs, and it's not true of the inflationary component of an interest payment. If members want me to go into this in more detail—