Thank you very much.
Mrs. Raza, you mentioned earlier in your testimony the idea of having tax measures that would essentially pile up, for lack of a better word, as people own multiple properties. In New Zealand, it's not a tax measure, strictly speaking, but they have required that people purchasing second, third and fourth properties pay an escalating percentage of the value of the property as a down payment in order to try to dissuade people from owning multiple properties.
I wonder if you want to speak a bit more to that issue, both on the types of taxation you were proposing in your own testimony and on the initiative in New Zealand to try to accomplish a similar effect through the amount of down payment required.