The element around limiting interest deductibility for residential investment properties is, in and of itself, quite a complex statement, but if I put it into simple language: if you earn $100 of income, normally under the old model before this legislation coming through from Government, you would be able to offset that $100 of income with some expenses and the interest expenses that are incurred through the borrowings on that—earning that income—would be deductible. So, therefore, if you had $100 of income, say if the expenses were $10, then you would be taxed on $90. But the implication of this legislation, in effect, is that individuals are going to be taxed on the entire $100 in the main and that is going to impact the back pockets of hard-working Kiwis. They are stopping what is, in effect, a legitimate business expense. Nowhere else in our tax legislation are they making this exemption, and they are saying it's because of the issues around our housing market etc., etc.