The fundamental issue with the reforms that we've heard announced today and this brightline test is that it doesn't address the needs of people—those New Zealanders who might find at a certain stage of their life they want a smaller home, they want another home for growing families, or new families, families joining together. These are all things that require flexibility in ownership models, and they require flexibility in the regulation around these kind of things. What would be awful to see is as people grew older and reached the end of their working lives, feeling they were stuck in a home that they couldn't leave for fear of incurring an awful tax imposition at the end of their working lives, when they simply seek to move to a smaller home and, potentially, even make better use of their land by subdividing, for example. 