I thank the Leader of the Opposition for his question and I note that the RBA governor, Philip Lowe, has appeared at Senate estimates just this morning. Prior to the appearance, the Leader of the Opposition's deputy said this about Governor Lowe: 'He's a straight shooter and I'm sure he'll tell it as it is.' And indeed he has done that across a range of areas in which the government is delivering. This is what the governor had to say this morning.