Senator GROGAN (South Australia) (14:28): It's really great to hear all of those excellent policies, Minister. There have been reckless calls, however, to allow Australians to raid their superannuation for a housing deposit, which would only make homes more expensive and reduce retirement incomes. Why is the Albanese government— Honourable senators interjecting— The PRESIDENT: I'm not sure which part of, 'She will ask her question in silence,' senators, particularly on my left, didn't understand. Senator GROGAN: Minister, why is the Albanese government focused on an ambitious housing agenda, and why has the government taken this approach?