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) (14:51): I thank Senator Payman for the question, and I see that Senator Payman has changed her position on policies like Help to Buy from when she sat on this side of the chamber. We took— Opposition senators interjecting— Senator GALLAGHER: It's the first I've heard— Opposition senators interjecting— The PRESIDENT: Order. Minister Gallagher, please resume your seat. Order on my left! Senator Canavan interjecting— The PRESIDENT: Senator Canavan! I've called 'order'. Minister Gallagher, please continue. Senator GALLAGHER: It was part of the suite of policies that we took to the election campaign, as you know, Senator Payman, and when we go to the election with a series of policies, we implement them in government, and that is what we are doing. But we are doing more than that. Whilst I acknowledge Senator Payman's speech yesterday on negative gearing, we have no plans to change negative gearing arrangements, and I have to say: that would not deliver one extra house, right now, which is what needs to happen. What needs to happen is: we need to build more houses. We need to increase the supply of housing, and that will allow more people to buy housing, which is why— Opposition senators interjecting— Senator GALLAGHER: Those opposite might think it's funny. They may think it's hilarious that people are struggling to buy housing. But we think it needs policies— Opposition senators interjecting— The PRESIDENT: Minister, please resume your seat. Order on my left. Order! Minister, please continue. Senator GALLAGHER: We have set ourselves the target of 1.2 million homes by the end of the decade. We are backing that up with policies. We are backing that up with working with the states and territories on their planning reforms, on ensuring that they're getting rid of bottlenecks for approvals, and through our Housing Australia Future Fund and through our Social Housing Accelerator, with new housing opening all the time. That is the focus that this government brings to housing. We will continue to implement our policies. We will continue to work with the states and territories, because we know that it's supply that we need to address, to make sure that people can get into the housing market. (Time expired) The PRESIDENT: Senator Payman, first supplementary?