Well, what a combination. We've got them talking about cost of living—and these are the people that start talking about the effects on small business. And yet on so many occasions in this place have we seen these people vote against the interests of small business and working people in this country. We saw it, certainly, in everything from Closing Loopholes to Same Job, Same Pay but also in an area of small business they like to forget about—a very important area that dealt with the road transport haulage industry, where they said that gig workers were able to turn around and get minimum standards. They wanted to stop microbusinesses from even getting paid minimum-standard payments by big tech companies from overseas. These are the people that try to pretend that they're agents for small business. Well, the reality is that, when it comes to voting records within this place, they consistently vote against small business. On the issue of small business, of course, it comes to the present challenges that we have in the economy. We're seeing that with the Middle East fuel crisis and the pressure that's putting on the Australian economy. The legislation that was put forward in Closing Loopholes gave the opportunity for the trucking industry, small businesses, transport companies and mid-sized businesses to be able to recoup costs. Otherwise, those companies would have collapsed. That would have been both an economic challenge for this economy but also a structural challenge in logistics for the entire country. It's a Labor government that made those changes as a result of what we had done through closing loopholes—small business and working people are getting decent outcomes because of the thoughtful, strategic approach by this government.

And, of course, when you look at the list of things that we've done in the small business area and arena, there's a large number. You have to remember the Reserve Bank reforms mean that Australians are no longer paying $1.6 billion a year in surcharges, and businesses will save $910 million. It means when you go to the check-out and—rightly, the delay has taken place so that people get a chance to absorb the concepts of what's going on and what the challenges are. But it's quite clearly the surplus surcharges at the check-out when choosing to tap your credit card now will not be just something—the debit card arrangements have ended. When you choose to tap that card, you won't be surprised. Everybody must have tapped their credit card and found out they've been hit with an extra cost. It's now about transparency and about capacity. There is capacity because there are real reserves. There's no longer $1.6 billion in surcharges, and businesses will save $910 million that they no longer have to pay.

These are things that make a real difference for businesses. When you start looking at the questions that they raise when it goes to the question of what's happening in the economy more generally, and particularly in regard to cost of living, you see the medicine arrangements that we've brought in here. You see the cuts that we've made in the cost of medicines. You see the opportunity for people to go and get bulk-billed. You see the opportunity for small businesses to get an instant $1,000 tax deduction. We've cut taxes five times in five different ways, putting nearly $3,000 a year more in the pockets of workers on average incomes by 2028. These are changes which make a change for every Australian—changes for small businesses and for every Australian in the cost-of-living pressures. (Time expired)