In terms of the spokesperson saying this has now created an inequity for smaller investors, I think one of the things that I would point those smaller investors to is that there is a 20-year carve-out of interest deductibility for new builds. It is a consciously put lever to stimulate more supply in our housing market. I would remind the member that the average ownership of someone who owns multiple dwellings in New Zealand is seven to eight years. So most of the people that are falling within that category are getting interest deductibility; the 20-year carve-out gives them that. So I think that I'd like to see some more substantiation around those claims of inequity, given that the evidence simply does not stack up behind it. 