We should actually be upfront with the problems that we face in New Zealand, and the problems that are caused by this Government, and bad regulation and bad lawmaking, and just say it for what it is: this Government is failing at problem definition. It's passing laws that don't make for better public policy or a better New Zealand. It's passing laws that are divisive and hurt a group of people who are trying to make a nest egg for their own future financial security, and, in the meantime, they're going to be hurting the renters, they'll be hurting the first-home buyers, that this Government says it will be tilting the housing market towards, and we should just say what this bill really is: it's anti-landlord, it's divisive, and it hurts renters. And that's what this bill should actually be called.