People who build a house pay progress payments to the builder and pay a payment on completion. The problem is that Labor gave all of the money up-front. They devised some great schemes. As we know, the member for Sydney—who is now looking through press clips and all sorts of other issues but not concentrating on this area—after the success of the superclinic program, moved on to the housing affordability scheme that put money into housing that ended up sinking into the earth.