Mr BOWEN (McMahon) (14:43): My question is to the Treasurer. I refer to the Treasurer's proposal to allow early access for superannuation for housing, a proposal that the communications minister has labelled a thoroughly bad idea. What does the Treasurer say to the former Treasurer Peter Costello, the finance minister, the communications minister, and, today, his former boss Peter Collins, who all oppose his proposal? The SPEAKER: I call the Treasurer, the Hon. Joe Hockey, who will respond to the question in general terms.