Now, our policies are on track to do this, and what we've heard from the Opposition today is that when it comes to interest deductibility, even though they will admit that there is a housing crisis, they would do absolutely nothing. National would rather sit on their hands and do nothing. So let's be clear: this SOP 64 doesn't impact renters, it doesn't impact first-home buyers, and it doesn't impact owner-occupiers. It impacts not those who invest in new builds, and those new builds increase housing supply. So it affects highly leveraged speculators who own two, three, four, five, or 25 houses. 