Senator FARRELL (South Australia—Minister for Trade and Tourism, Special Minister of State and Deputy Leader of the Government in the Senate) (14:07): Thank you, Senator Stewart, for that question and the great work that you do for the people of Victoria. I know that thousands of people in Victoria who stand to benefit from the Help to Buy scheme will be keen to hear the answer to this question. For 40,000 people across Australia, a door to homeownership has opened today. If you're a low- or middle-income Australian looking to get into homeownership— Senator Bragg: It doesn't work for real income— Senator FARRELL: No, it does; it's going to help—the Help to Buy scheme will give you that opportunity. We've got a generation of low- and middle-income young people who are stuck in rent traps. They're angry. They're frustrated. They feel genuine despair that homeownership may never happen for them. They've seen the dream of homeownership slip away from their grasp. Our Help to Buy legislation will help change this. With legislation up from the government, Help to Buy means a smaller mortgage and a smaller deposit to help eligible Aussies get onto the housing ladder. This is the kind of work that will only ever be delivered by good Labor governments— Government senators: Hear, hear! Senator FARRELL: Yes, hear, hear—because only Labor has an ambitious, extensive agenda when it comes to housing, making it easier to build, to rent and to buy. After a decade of neglect in housing by the Liberals and the Nationals, they've abandoned the idea that working people should ever be able to own their own home. Only Labor will help more Australians into homeownership. The PRESIDENT: Senator Stewart, first supplementary?