Thank you very much, Mr. Chair.
I appreciate everybody attending, in addition to those who made individual deputations at the beginning. Thank you very much.
I know that some of you have made formal submissions and have made submissions in previous years, which I know we consider, so thank you very much.
Mr. Butler, I want to follow up with you, but I want to give everyone else a fair shot here.
I'm going to spend a couple of minutes with Mr. Butler and then I'm going to ask if anyone else has recommendations that don't cost any money. I'd like a couple of ideas. You can put up your hand, and I'll go to you.
Mr. Butler, you mentioned using borrowed money to purchase an investment property—a rental property, as an example. Would you differentiate between retail investor money that's paying to build or fund new construction versus investor retail money that is purchasing existing stock? Or would you just say, look, it's a simple rule—just freeze it for everybody?