As for the interest deductibility question, the Finance and Expenditure Committee did have a good look at this question. Mr Bayly was in there when we got special advice—we asked specific questions from the IRD, and he knows as well as I do that the IRD said that inflationary effects skew interest deductibility, and that the real interest is usually a lot lower. And so that means that, in many cases, people are getting, fundamentally, a significant tax rate. They are deducting more expense than they are really incurring, and that's what this fixes. And let's face it, as I'm sure will be said by other speakers here, many people who have rental properties are in there not simply for cashflow returns, the money they make off rent; they are in there for long-term capital appreciation. The real income they make is made when they sell their house. And Mr Bayly himself said they are doing this so that they have an asset, an appreciating asset, for their retirement. And so they get a double win: a tax break on their interest, they claim more than they actually incur in real terms; and a tax-free capital sum at the end of the investment period. This addresses that skewing of the market. It says that's not appropriate, the market isn't actually operating correctly, as my friend, Mr Clark said, and what we need to do is to straighten that out and straighten the interest rules out. And that's what we've done. That will correct, as we are seeing already, the out-of-control housing market, and slow down some of that price appreciation. That's a good thing for people who want to buy their own home.