In terms of the interest deductibility, people could have also taken a view on whether they wanted to buy a house, because it has significant ramifications for the economics of their buying the house. I heard the Prime Minister very damagingly talking about speculators today. In most cases, this is mum and dad investors who are trying to create a retirement fund and look at housing as a legitimate form of investment. As of 9 o'clock this morning, they were brutally told that they could no longer claim the interest. Of course, it's a stage period and we're not quite sure about the stage for it, but I cannot see the downside for the Government to have delayed this announcement, to have flagged it and delayed it. Because, effectively, what the Minister is doing by putting this through urgency is actually capturing everyone now under the 10-year rule, automatically, without letting people be informed about it. I've got a text, actually, someone wanted to read out to me, that I received since the announcement this morning. They've been buying a house, they're in the process of buying a house, and if they'd known about these requirements they would have done something differently. If your intent was to slow the market down, then maybe those people could have taken a more educated or different view on it, but what you've done is basically captured and imposed new conditions on existing people who were happily going along until 9 o'clock this morning, until you Draconianly imposed this new regulation on them that will have a significant financial cost to all parties concerned.