 So let me give you a quick tour of top housing regulations. Almost every country that I've looked at has a lot of regulation, even places like India where you might say, why would you go and stop construction in India when so many people are sleeping in the streets? And the answer is, well, we got our reasons. We're going to go and strangle housing even here. So what are some of the top housing regulations, the ones that wind up making a big difference?