Senator BIRMINGHAM (South Australia—Minister for Finance, Vice-President of the Executive Council and Leader of the Government in the Senate) (14:30): Let me completely refute the suggestion by Senator McKim that somehow our government is trying to 'trap single parents into subprime mortgages'. What our government is proudly trying to do is give single parents a greater opportunity of homeownership. That is a proud Liberal value. That is something that has stretched through the Liberal and National parties throughout the history of our parties—to help encourage homeownership in Australia. In this budget, we are proud to try to make it easier for young Australians to buy their own home, to make it easier for single parents to be able to buy their own home, to make more available more family homes by encouraging older Australians to downsize at the right stage in their life to be able to do so. Far from entrapment, these are opportunities that we are creating for greater financial sustainability for Australian families. (Time expired)