So we need to do more to enable community housing trusts, co-housing, and it's vitally important that the housing supply that is provided is linked to infrastructure. This is where I know some of the other Opposition parties talk about the housing crisis as though it will be solved simply by freeing up zoning, allowing greenfields development anywhere. There's no point having affordable housing if you don't have affordable transport to jobs and access to education, to amenities. This is where we actually need a much more integrated, local government - led approach to structure planning so that developments can be provided in an integrated way, so we aren't simply filling up greenfields north and south of Auckland or north of Wellington or outside of Christchurch with houses where the households will have to own two, three, four cars to get anywhere. Perhaps the housing seems cheaper and the banks more willing to loan on it, but if people are spending more on transport, it has the same impact on their income. So we need urgent action, and a wealth tax or a capital gains tax—