Now, I put it to you that they are not the rapacious investors that the Minister of Housing and the Labour Government have continuously maligned and slighted and been dreadfully harassing. This cuts to the core of what the Government is trying to achieve in this piece of legislation. It is wrong to suggest that these rapacious investors—so-called mum and dad—who have chosen to invest in one property should be now subject to a tax regime that cuts across the core of what it is, that if you run a commercial enterprise you have to pay tax on the revenue, on the $30,000, but you cannot deduct the interest costs. As it's been pointed out quite recently, with these tax changes, which will come into effect over the next four years—right now many of these mum and dad investors who have been putting their money into these rentals to provide a house for those many thousands of people who cannot afford a house, or those people wanting to buy their first house, they cannot claim that money, and therefore they are losing money this year.