My question is to the Prime Minister. Treasury has said the small-business incentive has failed, with a 23 per cent take up rate. Meanwhile, last year we had the highest number of small-business insolvencies on record, with 41,000 collapsing under your tenure. In response to that, the Minister for Small Business mocked and ridiculed those losing their livelihoods and called them 'dodgy'. Does the Prime Minister support the Minister for Small Business's disgraceful slur that insolvent small-business owners are 'dodgy'?