I thank Senator Scarr for his first supplementary question. We do understand the hurt that ordinary Australians are feeling as a result of those increases in mortgage rates. Of course, the first point I'd make is that those increases started under your government and were a product of decisions—

Okay, Senator Scarr.

Opposition senators interjecting—

No, the surplus didn't start under your government. The surplus started under this government. The fact that you keep—