INGRID LEARY (Labour—Taieri): Madam Speaker, thank you for the opportunity to speak on what really is a technical bill, but, actually, the debate has turned much more on to inequality and has really highlighted some fundamental differences between this side of the House and the other side of the House. Because what this bill does is it levels the playing field in favour of first-home buyers rather than speculators, and that's via the interest limitation. And, really, that is one of the most significant things that we can do to close the inequality gap in New Zealand. Now, the other side—National and ACT—are saying that tax cuts will do that. That is utter nonsense. Their tax cuts will benefit the top 2 percent—those who are earning $180,000 or more. 