Rt Hon JACINDA ARDERN: We've always been very open about this being both a demand and supply issue. So in the last term, of course, we've made moves around closing tax loopholes. We cracked down on foreign buyers in the market. We worked to increase supply through mechanisms to support residential private development. We've built our own homes through public housing provision and we've extended on that as well. We've also moved into the space of progressive homeownership to support those who may not have the ability to overcome that initial deposit gap but do have a weekly income that can go towards a mortgage. Our view, though, and the reason we've sought additional advice, is we've increasingly seen that those who own multiple properties are taking up the largest portion of those homebuyers at the moment. The Reserve Bank acknowledged that we're seeing highly leveraged speculators in the market at an increasing rate. We've asked for advice from Treasury on what more we can do on the demand side.