ANDREW BAYLY (National—Port Waikato): Thank you, Mr Chair. I just want to turn to a conversation before dinner. I asked the Minister for advice or information he had to hand which supported his proposition that the reason for urgency was that, if the Government didn't bring this in, basically, starting effective from close of business on Friday night, there would be a whole stack of people who would go out and buy properties and try to take advantage of the market. My proposition was that, actually, because of the tax changes, they would make it less likely that people would go and buy properties; in fact, they would more likely want to sell their properties, given they will no longer have interest deductibility and, in fact, they will have to continue to hold the property for 10 years otherwise they will be paying a capital gains tax (CGT). So I'm just hoping the Minister will answer that question, because I think that cuts to the core of why there needed to be an urgent debate and why this is being rammed through like a steam tractor to put this in place very quickly.