Pākehā have net worth almost five times higher than Māori, while non-Māori have a 13 percent higher median wage. This disparity in wealth and income is locking Māori out of the housing market. Māori homeownership rates have been falling since 1999. In the latest Census, Māori individual homeownership fell to 26 percent compared with 41 percent for non-Māori. My question, Minister, is: what are you doing to increase Māori homeownership?