Senator KOVACIC (New South Wales) (14:04): The COSBOA Small business perspective report launched today states, 'Operating conditions are arguably the most challenging in living memory,' and 57 per cent of small-business owners reported high stress due to financial strain, with one in three not paying themselves, due to cash flow issues, and 25 per cent using personal savings to keep afloat. Minister, why should Australia's small businesses have to pay the price for the Albanese Labor government's poor economic management? The PRESIDENT: Before I call the minister, I'm going to remind all senators that I expect senators to listen in respectful silence. Minister.