I did not hear that particular quote on ABC radio this morning. I believe, however, that the policies of this government, with our end results of low inflation, very low interest rates and huge reductions in unemployment, have contributed to the aggregate capacity of Australians to not only buy a new home but to buy an even more valuable new home. It is true, and it is, in a sense, ironic that the lower the interest rates the more people are encouraged to borrow. As a result some people, particularly those who deal with non-bank lenders, end up overextending themselves.