Senator CASH (Western Australia—Deputy Leader of the Opposition in the Senate) (14:35): My question is to the Minister representing the Prime Minister, Senator Wong. Earlier this week, COSBOA and CommBank released a report saying small businesses are living through 'the toughest operating environment in recent memory'. We saw data confirming that quarterly insolvencies are now at an all-time high. But, despite that tremendous pressure on small and family businesses across Australia, the government is planning to hit those businesses with $13.9 billion in new costs through its AML/CTF legislation. This isn't our assessment of those costs; these are the costs listed in the government's own explanatory materials. How will these small and family businesses be able to afford to pay for your legislation?