Ms MACKLIN (12:42 PM) —by leave—I wonder whether the minister could clarify, for the benefit of the House—I apologise for not being in here when he started his remarks—the point about whether or not it will be the base premium that comes down or the overall average premium. That is the first point. The second point is: it would be helpful if he could also respond to the remarks I made last night. I understand some work has been done, some actuarial advice, which the department has available which shows that the department expects to see an increase in the level of private health insurance up to 36 per cent. I would be interested to know whether the minister intends to make that material available publicly so that we can understand the actuarial position.