The last thing is around the interest deductibility, and I know my colleagues are going to talk about it, but there are about 258,000 Kiwi mums and dads who own rental properties, who earn less than $30,000 on them. That means they only own one rental house. This bill is all about socking it to them because they're regarded as investors. They're not. They're just ordinary Kiwis trying to save for their retirement. 