In respect of what will be the effect of the difference between five and 10 years, well, we can't be absolutely certain as to what will be the proportion of properties that will now be affected, because we're not sure what change of behaviour we'll see. But as the regulatory impact statement shows in table 1, the holding period for properties held two years or less is 18 percent; five years or less, 42 percent; 10 years or less, 64 percent; 15 years or less, 83 percent; 20 years or less, 91 percent. So that gives members some idea as to the extra properties that will be affected by this, assuming there is no change of behaviour. There could be a change of behaviour; some people may choose to keep some of their property longer.