Ms SWANSON (Paterson) (14:57): My question as to the Minister for Agriculture and Water Resources, and it concerns farming families. Is the minister concerned the government's inept delay at introducing reforms to payday lending and rent-to-buy schemes is hurting farming families, including farming families who are being preyed on by unscrupulous lenders who are sometimes charging more than $8,000 for a laptop worth $1,900? Are you concerned, Minister? You should be. Mr Pyne: Mr Speaker— Honourable members interjecting— The SPEAKER: Members on both sides! I'm trying to hear the Leader of the House. It's normally not hard to hear him, but it's a bit difficult at the moment. Mr Pyne: Apart from the inappropriate use of the word 'you', which the member should know by now is not allowed, the issue about payday lending sits in the portfolio of the Treasury, which is either to be answered by the minister for revenue or the Treasurer. It's not within the responsibilities of the minister for agriculture, no matter how they might try and dress up the introduction and the conclusion. Mr Burke: The minister for agriculture for the last two terms has been able to answer questions relating to the impact of a range of government policies on the constituencies of farming families, otherwise it never would have been possible, for example, for an answer on a free trade agreement to be given by the minister for agriculture. We've had plenty of them. The SPEAKER: Having heard the question, the Leader of the House is right with respect to those last couple of words in the question, and in fact when the member speaks in that way she's actually referring to me, not the minister. We'll leave that to one side. In terms of the question, whilst it's undoubtedly the case that ministerial responsibility rests with the Treasurer, the member has sufficiently related the policy issue to the minister's responsibilities in the agriculture portfolio, so I am going to allow the question.