Senator FARRELL (South Australia—Minister for Trade and Tourism, Special Minister of State and Deputy Leader of the Government in the Senate) (15:00): I thank Senator Canavan for his question. Senator Gallagher: When did those interest rates start increasing? When do you think that happened? Senator FARRELL: Worldwide, there's been upward pressure on mortgage rates. Regrettably, Australia is not alone in that regard, and in many respects it's a hangover— Senator Gallagher interjecting— Senator FARRELL: As Senator Gallagher rightly says, of course, they started going up under your government. It was the economic policies set in place by your government. We understand why that was: because you made a whole lot of wrong decisions in the course of the pandemic, which no doubt— Senator Birmingham: You called for more spending! Senator FARRELL: No, no, no. Senator Birmingham: Yes, you did. Senator FARRELL: No, Senator Birmingham. I— (Time expired)