Lastly, I'd like to speak briefly to the change of the interest deductibility rules, which has already been canvassed pretty widely today. I only need to speak briefly, as Dr Deborah Russell has brilliantly summarised the policy underlining these changes. The principle of our tax system is that expenses incurred in earning income by revenue, by a business, should be tax deductible. Therefore, as a capital gain from the disposition of real property isn't taxed, then the expense of the interest shouldn't be deducted. It's the Government's goal to level the playing field for existing homes in favour of first-home buyers and those moving to a new home, compared to those investing in residential property. Investors can generally outbid first-home buyers, so we want to make residential properties less attractive for investors, while stimulating investment in new housing. So, by removing interest deductions as a business expense for residential investment properties but allowing reductions for property developers or people purchasing a newly built residential investment property, we look to help balance that. 