There's a couple of question that arise from that, because it does actually make a material difference to a number of different things. The first is: what is the basis point difference between Kāinga Ora borrowing privately on its own balance sheet and debt issued by the Crown, if indeed there is one—and I suspect there is, so what is it? And secondly, what advice has the Minister sought, if any, about a different approach to Kāinga Ora debt into the future as a result of the new fiscal rules and also as a result of this briefing?