And if—well, I did this analysis about a year ago; so it's probably completely out the window now. An average priced house in Auckland with the average mortgage, charging the average rental, would, if interest was deducted, probably generate no income—no taxable income, that is—and be cash neutral. Now, because the interest deductibility is removed, that mum and dad investor, that teacher, that police officer, that nurse has to find about $7,000 in order to pay a tax bill they didn't previously have. Now, that, by coincidence, happens to be the increase in rental in Auckland—$7,000 in the last year—and so this idea that, I think, one of the speakers said, that this wasn't going to affect renters, is nonsense. Rents have gone up already because of this bill, and it hasn't even been passed yet. That's outrageous.