Senator DEAN SMITH (Western Australia) (14:53): How does the Prime Minister reconcile Labor's promise for real and lasting plans for cheaper mortgages with the RBA's Statement on monetary policy released last month, which projects scheduled mortgage repayments will reach around 9.6 per cent of household disposable income by the end of this year and around 9.9 per cent by the end of 2024, meaning that scheduled mortgage repayments as a percentage of disposable income— The PRESIDENT: Thank you, Senator Smith. The time for asking has expired. Senator DEAN SMITH: will be at their highest since November— The PRESIDENT: Senator Smith, when I call you to order I expect you to sit down. Your question needed to be slightly shorter. Minister Gallagher.