My question is to the Minister for Finance and Deregulation. I refer the minister to the comments made by his adviser Dr Nicholas Gruen that ‘those who have taken out mortgages in the past four or five years would be the hardest hit by the efforts by both the Reserve Bank and the government to control inflation’. Does the minister for finance agree with his adviser’s comments and does he really understand the impact of the government’s decisions on struggling families with mortgages?