Senator CORMANN (Western Australia—Minister for Finance, Vice-President of the Executive Council and Leader of the Government in the Senate) (14:37): Of course he does. Senator Hume is doing an outstanding job, an absolutely outstanding job, in helping the government develop our response, supporting Australians through this crisis, helping Australians who have lost their job or who have lost significant work hours, who are facing significant financial challenges, to be able to get through this period, pay the mortgage, pay the fees that they're facing, by accessing some of their superannuation early. This is actually not a new system. Hardship provisions and early access of superannuation under hardship provisions is a well-established system. We have adapted it in this context. And, of course, the correspondence that the senator refers to had some other assertions too, like that somehow $50 billion of superannuation savings would walk out the door. We always said that that was an excessive and exaggerated prediction, and if you look at the figures, at the way they have been developing, that indeed has been proven to be right. The PRESIDENT: Order, Senator Cormann. I have Senator McAllister on a point of order. Senator McAllister: I wish to raise a point of order about relevance. I am hoping to learn whether the Prime Minister stands by the minister's claim that substantial checks were in place to guard against fraud. That is the materialist issue in this question and I would like an answer. The PRESIDENT: On the point of order, Senator McAllister, that was the conclusion of your question. I am listening carefully to the minister's answer. I can't instruct him which part of a question to answer, but he is allowed to address any parts of the preamble to that concluding question. So I'm listening carefully to the minister. Senator Cormann. Senator CORMANN: Senator Hume was right. The Prime Minister's right. Of course there are substantial checks and balances. But any program, any government program, any business, is exposed to the risk of fraud, and if and when fraud does occur you take appropriate action. Appropriate action was taken. This is not a widespread problem. It is an isolated problem. But as is appropriate— An opposition senator: Fraud! Senator CORMANN: There is fraud in relation to jobseeker. Do you suggest that we should close down the entire jobseeker program because there is a risk of fraud? There is a risk of fraud in relation to any government program and, of course, you put appropriate checks and balances in place, which does not entirely eliminate the risk of fraud but when fraud is detected you take action. That is what is happening, consistent with the laws that this parliament passed with your support. The PRESIDENT: Senator McAllister, a supplementary question.