Senator GALLAGHER (Australian Capital Territory—Minister for the Public Service, Minister for Finance, Minister for Women, Manager of Government Business in the Senate and Vice-President of the Executive Council) (14:12): Thank you. I think this question relates to the debate we had last night in relation to the cashless credit card—am I correct? An honourable senator: Yes. Senator GALLAGHER: I'll have to come back on the detail because it doesn't fall within my portfolio. I am representing the Minister for Financial Services. So I would be able to answer you— The PRESIDENT: Minister, please resume your seat. Senator O'Sullivan? Senator O'Sullivan: My question is about the finance portfolio. It's about a bank. I haven't asked about anything about the cashless debit card. The PRESIDENT: Senator O'Sullivan, that isn't a point of order. Minister? Senator GALLAGHER: If I can just explain: the ministry for finance does not have responsibility for financial services, including ADIs and other financial institutions. They fall under the Treasury portfolio, and we have a specific minister for it—the Minister for Financial Services. Opposition senators interjecting— Senator GALLAGHER: Now, I'm coming in here—and, Senator O'Sullivan, I am very happy to answer your question. I don't have the detail with me. I think it relates to last night's debate, which I was in and out of, around the cashless debit card. If I can get an answer for you— An opposition senator interjecting— Senator GALLAGHER: Well, yes—I'm sorry, but when you're repping about 14 portfolios, you do rely on a bit of paper. Opposition senators interjecting— The PRESIDENT: Minister, please resume your seat. Senator GALLAGHER: I do! Opposition senators interjecting— Senator GALLAGHER: I'm not going to pretend that I'm coming in here— The PRESIDENT: Minister— A government senator: James, you wouldn't understand! Opposition senators interjecting— The PRESIDENT: Order! Senator McGrath! Order! Senator Henderson! Order! Senator Watt interjecting— The PRESIDENT: Senator Watt! I just called the chamber to order. I don't need you to add to it. Senator McGrath interjecting— The PRESIDENT: Senator McGrath! Order! Seriously! The minister is answering the question. I could barely— Honourable senators interjecting— The PRESIDENT: Order! Just because you don't like what the answer is it does not give you licence to be so disorderly that I have to say order about seven times before I can get the attention of the chamber. Minister, please continue. Senator GALLAGHER: As I said, I do come into question time with the desire to answer the questions that are asked of me, which is why I'm taking it on notice. I treat this chamber with respect, and I don't want to give an answer that is not correct and mislead the senate. I do take this responsibility seriously. I will come back with an answer based on the advice of the relevant minister, who I am repping in this instance. The PRESIDENT: Senator O'Sullivan, first supplementary?