My question is to the Treasurer. The Bank for International Settlements stated overnight that 'financial vulnerabilities have been rising' and 'household credit as a ratio to GDP remains at historical highs in Australia'. They said that now is the time to rebuild policy buffers. Won't the locking in of long-term tax cuts for big businesses and high-income earners mean that, if a downturn hits, instead of investing in jobs, this government will again cut schools, Medicare and pensions in Australia?