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) (14:16): What Senator O'Sullivan doesn't say, of course, is that, for mortgage holders, interest rates started increasing under your government. Senator O'Sullivan: Once! Senator GALLAGHER: Right, only once! Yeah, right! When inflation was at its highest, it was under your government. It was under your government. It's actually come off every quarter since, as we dealt with the significant policy issues and areas that your government, when in power, left unaddressed—for example, the energy crisis that we walked into, where Minister Bowen left the swearing-in ceremony to deal with the fact that the lights were going to go out because what had happened? That's right—a decade of failure to deal with those significant challenges. And we see it everywhere. We see it in housing. You talk about housing. The Commonwealth wasn't interested in housing unless it was about young people ransacking their super to go and buy a house. Senator O'Sullivan: A point of order on relevance: in the seven seconds remaining, I'm wondering if the minister could return to the final part of my question, which was: how many Australians do you expect will lose their home this year? The PRESIDENT: The minister is directly relevant. Minister Gallagher? Senator GALLAGHER: I've finished my answer.