That builder's my brother, by the way. He's a real person, and there are so many like him that have been locked out of the housing market. I know that the Government has every intention to address this crisis, but the reality is that this was a crisis several years ago, and now, in the last year, it has gotten so much worse. I have a little graph here, just to show you. [Holds up graph] This is data from Bernard Hickey at The Kākā, and it shows realised capital gains by New Zealand landlords over the last period of time. You can see it was going up. It was going up. Look at what's happened just in 2020. That was before the most recent increase that we've seen over the past few months.