My question is to the Minister for Revenue and Financial Services. Almost one year ago the minister said that legislation which would reform payday lending and rent-to-buy schemes would be introduced at the earliest opportunity. Is the minister aware that there are reports today of a Queensland rent-to-buy business which charges more than $8,000 for a laptop worth $1,900? Is this conservative government so inept that it has allowed this sort of behaviour to continue unchecked because it has delayed legislation to fix it?