I should say a little bit more about mortgage interest deductibility, because these two policies that Brooke van Velden's amendments would get rid of from the tax law have something in common: a failure to define the underlying problem. You see, the problem with falling homeownership rates—and on that we have common ground with the Minister; it has got harder for Kiwis to own their own home—is not the tax treatment. The reason that there is inflation and the reason that people are finding it harder to afford a home is because there are too many people chasing not enough homes. Until you've solved that fundamental problem, then these changes to taxes, whether it be mortgage interest deductibility or having the brightline test at 10 years or five years or two years or any length of time, the only thing you're going to do is redistribute a shortage of houses and change the people who don't have housing, based on who the Government's favoured political group is at any time. That's not real problem-solving. That's not real change and solutions. That's politics, and that does not make New Zealanders better off. 