This will hurt middle to low income New Zealanders more than anybody else because there's no incentive for the best and brightest in New Zealand to stay here. They might as well go to Australia on the next plane. There's no incentive for somebody to have a rental house and to own that as a business, because they can't get any interest deductibility on that business against the income of that business, which is the rent they receive. As David Seymour rightly said, that will force those people, then, to put up the rents. So, on one hand, the people that are on low or middle incomes in New Zealand won't have the job opportunities, because those on higher incomes won't want to invest in this country, and at the same time, their costs are going to go up in their rentals. 