Senator WHISH-WILSON (Tasmania) (14:18): Mr President, I rise on a point of order. I asked specifically whether the guarantee was given to the Australian Bankers' Association for the changes to be made before 1 July this year. The PRESIDENT: Senator Whish-Wilson, you had three components to your question. You said: is the minister aware, can you confirm and is this why? It was a very wide-ranging question. The minister is directly relevant. Minister Cormann, you have to call.