Minister, the Salvation Army has said that Australians will be going into debt to pay for Christmas, with 31 per cent seeking to use a credit card to pay for Christmas expenses, up from 18 per cent last year. Twenty-three per cent will struggle to afford enough food to eat this Christmas, 34 per cent will find paying utilities challenging and 30 per cent will struggle to pay their rent or mortgage repayments. Minister, is it correct to say that life isn't easy under Prime Minister Albanese?