ANDREW BAYLY: I'll tell you. It's going to be the first-time buyers, the ones who can't get a loan, they're not going to bear it, are they. That means all the other mortgage holders, they're all going to bear this, because unless the Government's prepared to pick up the tab, what do you think an organisation's going to do? What are insurers going to do? What are they going to do? All the international insurers in New Zealand, what are they going to do? Are they going to do New Zealand a favour and say, "We'll bear that cost—we'll bear that additional cost because we like what Labour's doing to us."? I'll tell you what, I think they might put up the prices. And so people—particularly vulnerable people on fixed incomes, guess what's going to happen to their insurance premiums? The insurance premiums are going to go up. Now, tell me how that's kind. 