Senator WONG (South Australia—Minister for Foreign Affairs and Leader of the Government in the Senate) (14:37): The answer is we don't. The five per cent deposit was the subject of advice, and the facts are that lending rules and serviceability requirements stay the same, and the Treasury advice indicated the impact on house prices would be minor. You'll recall, also, that this is only one part of a comprehensive suite of housing policies including the addition of supply. The PRESIDENT: Senator Bragg, a second supplementary?