I have to say: what does this mean for Pacific? For Pacific, it's more than a game-changer; it provides an opportunity to do what we haven't been able to do in generations, and that is increase our levels of homeownership. We've got the lowest homeownership rates that we've had in 70 years, and at the bottom of that list are Pacific people for whom the ability to build communities, to build social connections—it impacts them exponentially to other population groups in Aotearoa New Zealand. What will that do for Pacific people—the ability to own their home?