Senator WHITTEN (Western Australia) (14:46): APRA has had to put the brakes on Labor's subprime lending scheme. Honourable senators interjecting— The PRESIDENT: I'm sorry. Order across the chamber! Senator Whitten, could you start again. I'll ask that the clock be set again. Senator Wong interjecting— The PRESIDENT: Order! Minister Wong, I have asked the senator to start his question again. Senator WHITTEN: APRA has had to put the brakes on Labor's subprime lending scheme. Inflation is rocketing. Economists are seeing rate rises in the future. Labor has been lured into a hyperinflated housing market, taking out mega mortgages based on Labor's false promises and outlandish predictions. Has Labor modelled the default rates on the five per cent loan scheme in the event of two rate rises in 2026, and how much will this cost the Australian people? Government senators interjecting— The PRESIDENT: Order on my right! Senator Wong interjecting— The PRESIDENT: Minister Wong, I have Senator Gallagher on her feet.