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) (14:04): No, that is not true, Senator Smith. If you listened to the last two minutes of the answer to your first question you will have heard all of the different policies that we are putting in place to deal with the housing crisis that we inherited from you from when you were in government. It's another area— Opposition senators interjecting— Senator GALLAGHER: Well, no. You do need to take responsibility for the fact that the Commonwealth completely vacated the field, particularly in relation to public, social and affordable housing, and it was about just letting the market rip. We are back at the table, working with the states and territories, and the program that the Prime Minister is referring to— Senator Dean Smith: Madam President, we're not talking about Labor's housing crisis; we're talking about Labor's mortgage payments crisis. The PRESIDENT: Senator Smith, are you making a point of order? The minister is being relevant. Minister, please continue. Senator GALLAGHER: The program that Senator Smith refers to, which is the Help to Buy program, ensures that people who are currently unable to afford to get into the housing market as owners are given support through their governments. We are working with the states and territories on the implementation of that program right now. The PRESIDENT: Senator Smith, your second supplementary?