Senator SIEWERT (Western Australia—Australian Greens Whip) (14:20): I will take that as a 'yes'—you do intend to drop it back to $40 a day. Has the government done any modelling on the expected rate of mortgage defaults and the number of renters who will be in housing stress in October if the rate does go back to $40 a day? If not, why not? If so, what are the details, please?