CHRIS BISHOP: Oh, well, Madam Speaker, I'm making the point about how the Government's argument is that lower-income people are doing it tough and therefore we have to increase benefit levels, and I'm making the point that one of the reasons lower-income people are doing it tough is because of the explosion in housing costs, particularly rental costs, driven by a restrictive housing market, driven by the Resource Management Act. This is a point that people often don't understand: if you make it harder to build houses, you make it harder for people to get into the rental market and you make it easier for landlords. You mean that landlords can charge what they like. 