Senator GALLAGHER (Australian Capital Territory—Minister for Finance, Minister for the Public Service, Minister for Women, Minister for Government Services and Manager of Government Business in the Senate) (14:45): We support the responsible lending obligations and have been part of arguing—including post the period of time that you talk about, the global financial crisis—to make sure that those obligations for lenders are in place. We have a strong, well-run banking system in this country. The banks and the lenders take their obligations seriously around ensuring responsible lending, and that's an important part of the regulators' responsibility. Our job is to make sure that we're doing what we need to do under the policy arrangements that we have on our housing agenda and to make sure that all those arrangements are in order. We believe they are, and I commend the housing minister, Minister O'Neil, for her work and for all the effort and energy that she brings to this portfolio, which, as we said, had been ignored for almost 10 years under those opposite. The PRESIDENT: Senator Whitten, second supplementary?