We worked our arses off to buy a house, and forewent luxuries to do it. No Sky TV, smartphone, or lattes in this house. The reasons for the skyrocketing cost of housing are obvious but you don't attack them. Where are your statements on the well meaning but useless red tape hindering the trades, on the ridiculous zoning laws, on the lack of competition in building supplies, and on the impact of the RMA and associated appeals process on land price inflation and cost of housing? Over a million New Zealanders choose to live overseas, and your policy risks increasing that number.