I wanted to talk, first, about what Michael Woodhouse has just talked about, which is the issue about first-home buyers, because you would have thought that he was on the side of those buyers. Actually, the levers that have been pulled in this legislation are going to make a big difference to first-home buyers. When I first bought a house, a lot of my friends were investing in houses, and they were doing it because they went to seminars where they were told a couple of things. They were told, "You won't have any of the money that you gain on these houses taxed. No profit will be taxed." And they were also told, "And there's this clever thing you can do: you can get the interest back on your mortgage. So mortgage yourself to the hilt, and then, when you've got one property and that actually goes up in value, buy another and another and another." I have friends in that category who have made a fortune out of housing, and those houses have not been particularly warm and dry. Let's face it. They have been rented out to people as the law has allowed, and so there have been a lot of people lose out in that situation. Actually, one of the groups that's really missed out until now are first-home buyers, because they compete with that group of people.