DAVID SEYMOUR (Leader—ACT): Thank you, Madam Chair. It's been a very interesting debate. I want to pick up on the Minister's question. What's the counterfactual if the Government hadn't signed a guarantee for the Reserve Bank to print $53 billion, which it ultimately loaned to, guess who, the Government. Well, what that did was it reduced the Government's cost of borrowing by a full percentage point. Some people think, "A percentage point, that's not much." Well, when the Government borrowed $80 billion through the course of COVID, a percent is a lot of money.