The figures constantly used by the opposition are those which include all mortgage liabilities and are not restricted to homebuyers. They include people who have borrowed money on their existing homes to buy a second property and they include a lot of older people who, having paid off their homes, are remortgaging or repledging their homes under a mortgage arrangement to enable their children to buy homes. If the shadow Treasurer were a little more in touch with the changed practices of homeowners in this country over the last 11 years, he would understand that he is not making a valid comparison.