Dr Mark Duff                                                                                                               

Dear Sir/Ma’am,
Congratulations on this scheme to finally act to improve the prospects for young people to secure the long-held dream of home ownership, along with improving our potential to invest for ourselves in what the world can see so clearly as the future. As you know, Australian’s investment in their homes as the primary source of gaining financial security for the future is fundamental to our psyche. Whilst Germans invest primarily in industry, the Australian home more than any other investment allows for a real source of “potential” income for retirees and for future generations who will eventually come to realise the government cannot support them at the current levels regarding healthcare and retirement housing.
The despondency amongst first home owners and their parents is devastating, and if this can go to ease costs of buying a house, what a great scheme it will be, not to mention the large amounts of money leaving countries from corrupt officials in those countries. 
Now we just need to channel money into industry rather than housing investment, which does little to generate employment. Tax incentives for investment into small cap industrial companies perhaps?
Yours sincerely,
Mark Duff