I don't believe there are risks—that while they might be difficult to quantify, there is no doubt that risk is real and I believe it will come to pass before even the interest deductibility issues are considered by this House. And it's on the people who are most vulnerable: Māori, Pacific peoples, younger people, low-income households. So this impact—the impact of these changes—is going to lead to one or both of two things happening: either renters get out of the market, and so they sell their properties to first-home buyers—tick, that's positive—but those first-home buyers aren't necessarily in these categories. Therefore, there will be a lower supply of residential rental properties for the very people who are being subjected to dramatically increasing rentals, and that will be exacerbated. Or alternatively, landlords hold on to their properties for longer and therefore seek other means to gain the rates of return that they were seeking, in which case that could also have upward pressure on rentals. It's basically the status quo continuing. I think the Government does want renters to sell to first-home buyers. That's the reaction that Treasury warned is going to have the greatest risk of residential rental inflation. 