Right at the moment, there's a whole lot of New Zealanders in a financial bind. There's a whole lot of Kiwis who finally got their first home, and now they've got a mortgage rate that they can't afford. And the value of their home has gone down, not up, around 80 percent of what it was, 88 percent of what it was, when they bought their home earlier this year. And this Government's answer is to put more cost on to their mortgage lender. So they're going to end up with higher interest rates, more chances of mortgagee sales, and more earning New Zealanders moving to Australia.