Senator WONG (South Australia—Minister for Foreign Affairs and Leader of the Government in the Senate) (14:17): I'll make two points. The first is that this is a robust program that has operated for a long time. This Commonwealth has underwritten this scheme for almost seven years, issuing almost 160,000 guarantees, and in that time only five guarantees have been paid out. I know this is another scare campaign that those opposite want to run. The second point I'd make—you talked about 'laserlike' clarity. Well, do you know what is really clear? Senator Bragg disallowing tax assessments that would provide for more houses. I know that's sensitive for you, but you are standing in the way of more houses. Senator Bragg: A point of order on relevance—the question was quite clear in asking about the contingent liability. I'd be grateful if the minister could address that part of the question. It was quite specific. The PRESIDENT: The minister is being relevant to the question, Senator Bragg, and I'll continue to listen carefully. Senator WONG: With respect, I think it is relevant that you don't want more houses built. I think it's relevant that you don't want more rental properties for Australians. I think it's relevant that you complain about housing prices whilst opposing measures that will in fact try and deal with supply, which is key to housing affordability. I think that is called accountability. So we on this side make no apology for the fact that we will shine a light on your refusal to support more— (Time expired)