Senator WONG (South Australia—Minister for Foreign Affairs and Leader of the Government in the Senate) (14:14): Senator, I'm sure you're going to have a wonderful time in Senate estimates going through the costings on this, and I look forward to how Senator Gallagher will respond to it. But I would make a few points to you. This is a plan that will save— Senator McKenzie: Billionaires lots of money. Senator WONG: first home buyers, and this is who we're talking about—how many billionaires do you know are worried about their first houses? Actually, I shouldn't have say that; I think we know some! Well, we don't design policy for billionaires. That might be how you think about it. Senator Bragg: A point of order—the question was very specific. It was laserlike in relation to contingent liability. The PRESIDENT: Thank you, Senator Bragg. I'm not sure I completely agree with 'laserlike', but Minister Wong is entitled to take interjections. I have been trying very hard to get order in this place, but, seemingly, I've not been successful, and the minister is entitled to take those interjections. So, if you want your laserlike question answered, get your frontbench to keep quiet. Senator WONG: I'd make two points. The first is that this is a plan which will save first home buyers about $1.5 billion in potential mortgage insurance over the next 12 months, so there's a billion-dollar figure. These are first home buyers. The second point I would make is that I'm advised by Senator Gallagher that, obviously, the liability only arises on default and that the scheme has an extremely low default rate of less than 0.003 per cent. (Time expired) The PRESIDENT: Senator Bragg, second supplementary?