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) (14:47): I reject the assertions that have been put in the question. I make that clear. In relation to whether we work with the banks and understand what's happening in the housing market, yes, we do. If you look at some of the comments that the bank CEOs made to the House standing committee just a week ago, you'll see that they've made comments in this regard, including, from the Westpac CEO, 'I don't think the first home buyers scheme is the driver of housing prices,' and, from the CEO of CBA, 'I know Treasury did some'— Senator Bragg: It helps them with market share. How naive are you? It helps the big banks. The PRESIDENT: Minister Wong? Senator Wong: President, if Senator Bragg can't contain himself, perhaps he should leave. The PRESIDENT: I quite agree, Senator Wong. I have called you to order. Senator Bragg. You've apologised. You've kept interjecting. Senator Bragg interjecting— The PRESIDENT: You are answering me back now. We're not in a debate. If you can't--- Senator Colbeck interjecting— The PRESIDENT: Senator Colbeck! Senator Bragg, if you can't listen in silence, you can leave the chamber. Minister Gallagher, do you wish to continue? Senator GALLAGHER: Indeed. I should remind the chamber that lending rules and serviceability requirements remain the same under this scheme. Five per cent deposits help first home buyers get a home sooner and save tens of thousands in mortgage insurance. They do not increase how much a person can borrow. So I reject the question that was put.