I wanted to talk for a minute about one of the things that David Bennett said, because David Bennett talked about how there was a double-dip here: that you had to pay interest on the rent but you also had to pay the tax that was now going to be due on the mortgage. I think it's worth reminding David Bennett that there was a paper in 2020 that was published in Stuff, and it said that 37 percent of those investors were maximising the losses in their places of rental so that they didn't pay any tax at all. That mentality is not great; it's actually a problem, and we need to actually look at ourselves and think, "Is that a fair society?"