ANDREW BAYLY (National—Port Waikato): Thank you, Madam Chair. I just want to go back to the Hon Michael Woodhouse's original question that gives rise to the reason why we're having this urgency today, which the National Party is very, very concerned about. I'd just like the Minister to answer the question: if the purpose of the change—of introducing an extension to the brightline test and removing the deductibility of interest—is to stabilise the market, then why is there a need for urgency? Because if people had more time to contemplate these changes and actually be able to manage their affairs as they would have expected to up to 9 o'clock this morning, if they'd had a time to work through a process where these things would have been considered in a committee stage, we would have had a much better outcome. What it also would have done, if we'd delayed the introduction of this, is led to a point where if an investor was currently holding a property, they would have been caught under the five-year brightline test anyway, and they could have exited the market at that point.