On housing, what we're seeing, of course, is a real challenge for, particularly, young New Zealanders as they look and see the yard being lifted higher into housing affordability. We have an unseemly episode of the Governor of the Reserve Bank and the Minister of Finance pointing their fingers at each other for responsibility. There's no question that increasing the supply of houses is the best solution, but you can't do that overnight. You can't do it in a year. It takes time, so, in the meantime, our flooding the country with cash at very low interest rates is adding fuel to what is a raging fire already. 