 Hon DAVID BENNETT: Now, if we look at this bill, what does it do? It puts up tax rates for those that actually get out there and earn some income. It takes away the ability to take an interest deductibility for those people in the business of providing rental homes. All of this will create a dumbing down of New Zealand society. There is no incentive to go out there and earn more. There is no incentive to buy an asset that provides a service for other people. If anybody has to follow these rules, then that will lead to, as the ACT Party said, an increase in rentals for those seeking accommodation. That will directly hurt the very people that the Labour Party always campaigns on saying they're looking after.