Senator PAYNE (New South Wales—Minister for Human Services) (15:02): I did in my previous answer—and I am not sure Senator Cameron heard me—acknowledge those concerns in relation to those typically higher costs. Senator Cormann: He had prewritten his follow-up question. Senator PAYNE: That is the problem, Senator Cormann, isn't it, when you can't be spontaneous? I did in fact acknowledge that earlier. I also referred in my previous answer to the Assistant Treasurer's remarks. Senator Wong: 'More spontaneity' she says! Senator PAYNE: Well, it would liven things up a little more, Senator Wong. Senator Wong: Lively! Senator PAYNE: No, I think more tedious than lively, but there we are. The Assistant Treasurer, Josh Frydenberg, as I said, has announced the review of the small amount credit contracts and the related provisions of the national credit consumer— The PRESIDENT: Pause the clock. A point of order, Senator Cameron? Senator Cameron: Mr President, this is on relevance. I do not want to be tedious— Government senators interjecting— The PRESIDENT: Order on my right! Senator Cameron: The question goes to whether the minister agrees with the Assistant Treasurer that the interest rates charged under consumer leases are beyond exorbitant. You should draw her attention to that question. She should try to answer it. The PRESIDENT: Thank you, Senator Cameron. I remind the minister of the question. She has 19 seconds in which to answer. Senator PAYNE: I would not say Senator Wong was tedious. I was saying in relation to tedium that I do not expect Senator Cameron to change the habits of a lifetime. I did say in my first answer what my views were about the products. Senator Cameron has also referred to the Assistant Treasurer's review. That is why we have incorporated those particular products into the small amount credit contract laws review. (Time expired)