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) (14:56): I thank Senator Urquhart for that supplementary. The announcement builds on the Albanese government's ongoing work to ensure the banking sector works for all Australians. We're helping farmers and small-business owners in regional areas plan for their future by improving access to affordable financial advice and making it easier to navigate the challenge they face, whether it's managing cash flow or planning for their retirement. Scams prevention, again, is something we're investing in heavily—something that those opposite didn't do. We've now got the moratorium on regional bank closures. We are standing up for regional communities. We know there's a person over from that side of the chamber in the other place that's in witness protection right now. He's not allowed to stand up for regional communities. Poor old Barnaby! He just wants to be let out. Honourable senators interjecting— The PRESIDENT: Order across the chamber! Senator Colbeck interjecting— The PRESIDENT: Once again, Senator Colbeck! I call the chamber to order and you still continue. You are incredibly disrespectful. If you can't listen in silence, leave the chamber. Senator Cash, on a point of order? Senator Cash: If you could, ask the minister—as they always do to us—when referring to a member of the other place, to refer to them by their proper title, please. The PRESIDENT: Thank you, Senator Cash. I'm sure that you are fully aware that it is always my practice to remind senators of that. Minister Gallagher, I do remind you of that. Senator GALLAGHER: Well, then I say poor Mr Joyce. There he is, wanting to stand up and speak up for regional communities, and he's locked up. Free Mr Joyce! Let him speak!