Mr President, I ask a supplementary question. Perhaps the minister could answer it. Is the minister aware that first home buyers now spend one dollar out of every three they earn paying off their mortgage? Doesn’t this mean that mortgage repayments are using up more of a first home buyer’s income than ever before? How will our kids ever be able to buy their own home when the amount they spend on mortgage repayments on top of child care, petrol and groceries keeps going up?