Senator PAYMAN (Western Australia) (15:20): Senator Bragg, I can't believe you just said that it's wrecking the system. Senator Hume earlier mentioned something about how this is another tax credit to prop up rampant spending. Can we just get to the facts straight here? Those opposite seem to be thinking increasing wages of our lowest paid workers is rampant spending. Are you saying that increasing paid parental leave is rampant spending? Are you saying that cheaper medicine to help all those vulnerable Australians is rampant spending? Are you saying that accessible and affordable housing is rampant spending? And now you walk away. Listen to this: are you serious? Senator Scarr: Point of order— The ACTING DEPUTY PRESIDENT ( Senator McLachlan ): Senator Payman, I got the point of order. You cannot reflect on the movement of a senator. Senator PAYMAN: I withdraw. Have a great day, Senator Bragg! Getting back to the context of the matter—I am having too much fun, clearly—we will not allow those opposite to lecture us on honesty and transparency. This is a modest and meaningful change that has come before the government, which was elected by the Australians as a responsible government to fix up the mess that we were left with, a trillion dollars in debt. And not only that, there was a decade of delay, denial, destruction—that is, triple-Ds on your report card—but debts in the trillions as well. I don't think your parents would be happy. Stop blaming COVID for your poor policy choices. You had a decade. What did you do? Senator Stewart: Rorts and waste! Senator PAYMAN: Exactly—thank you, Senator Stewart. Those opposite love spreading fear. They don't realise that this change is not going to affect 99.5 per cent of Australians out there—99.5 per cent. These are Australians who are doing it tough out there with the cost of living, the rising pressures that are on their families and— Senator Henderson: It's 10 per cent. The ACTING DEPUTY PRESIDENT: Senator Henderson, please don't— Senator Wong: Just ignore the interjections. The ACTING DEPUTY PRESIDENT: Senator Wong! Honourable senators interjecting— The ACTING DEPUTY PRESIDENT: It's not a discussion. I am very interested in what Senator Payman is debating in the chamber. Can we please allow her to speak in silence. Senator PAYMAN: It's fewer than 0.5 per cent of Australians with super balances of $3 million who will still enjoy generous tax concessions, but they're not as a generous as they have been—and I do not think that is asking for a lot, when we are talking about what the government has delivered so far for people who are doing it tough out there, including making medicines cheaper, creating 180,000 fee-free TAFE places, delivering on the 20,000 new university places, establishing 10 days of paid family and domestic violence leave, making sure that we had the Jobs and Skills Summit to hear from stakeholders, to hear from locals about what issues in those industries we needed to address. We have established the National Anti-Corruption Commission, we have got wages moving again after a decade of stagnation that we have experienced, and we hear from those opposite that all of this has been rampant spending—it's rampant spending to take some sense of responsibility and to actually fix the mess? It's really tough to just sit there and hear all that. Senator Stewart earlier quoted one of your leaders; I don't know if it's appropriate for me to mention their name. But last week we heard the member for Fadden admit to the royal commission that he lied about robodebt because loyalty to his colleagues mattered more than what it did to Australian people. So many Australians suffered under the scheme. For what? What a perfect summary of their entire time in government: loyalty to themselves and not to the Australian people. You sit here thinking that Australians should listen to you, to your scare campaign, to you neglecting them and putting yourself first. It really is a matter not just for shame but for you to really reflect. I would highly advise that those opposite really reflect on the last decade that they've been in government and what they've done with that time. Maybe take a leaf from our book on what we've achieved in the short time we've been in power.