My question to the Minister for Housing concerns the Housing Affordability Fund, which provides grants on a competitive basis to state governments to reduce infrastructure costs, with savings to be passed on to homebuyers. Minister, how will the applications made to the Housing Affordability Fund by state governments be assessed in terms of their ability to reduce the cost of a first home to homebuyers? Will those who apply to the Housing Affordability Fund have to demonstrate that the cost of the final home to the first home buyer will be reduced, and on what basis will the department assess those applications?