Hon POTO WILLIAMS (Minister for Building and Construction): Thank you, Mr Speaker. Today I want to talk about the dream of homeownership. I know that there are some in this House—probably a few in this House—who have their own home, but there are plenty of New Zealanders for whom yesterday's announcement is a game-changer. We know the value of homeownership in terms of the financially advantageous benefit it brings to the family and how it builds communities. When you have your own home, you put down roots, you make social connections, your kids go to the local school—they build connections. You build friends and friendships and people that will help you when times are tough—people that will do things for you.