Hon DAVID PARKER (Minister of Revenue): Thank you for those contributions. I agree that there are factors behind the escalation in house prices that go beyond taxation, including the unprecedentedly low interest rates in the world, which have had an effect on cap rates and therefore asset values. It is, though, having a detrimental effect on inequality and is making it very hard for younger people and other first-home buyers to get into the property market. It has also created the risk of a property bubble, and the Government as well as various agencies that advise the Government have been worried about that. We don't control interest rates. We do have some influence on macro-prudential tools the Reserve Bank can implement, and the Minister of Finance answered questions about that. That said, this bill is only about the brightline test. It isn't about interest deductibility and there's nothing in this bill about it.