In respect of the "Why is it that we're passing this under urgency?", in respect of the Hon Michael Woodhouse's question, since May 2020 there's been a 26 percent increase in residential house prices in New Zealand. Various bank economists, as well as some of the international agencies, have been warning that we may be seeing a bubble and that, if the bubble popped, there could be financial consequences that were detrimental not just to the people that bought at the height of that bubble but could also have wider economic damage. Our view was that, if we were to have but a short transitional period, we would actually be encouraging people to get in ahead of the change and we would cause a flurry of activity that could have made the current situation even worse. So, for that reason, we've chosen to do this quickly.