If the House believes that people have this right or should be offered this access, the Government should look at the idea of offering loans. It is a controversial idea but one this House should consider – that everyone should be entitled to a guaranteed Government loan. It would certainly solve the problem of access. They should also be entitled to a Government loan for maintenance, which Senator O'Toole rightly identified as one of the most important and tricky areas. When the Minister brings his proposals to Cabinet, he should do something of a shimmy, and he will have to do quite a shimmy to get them past Senator Dardis's party, and ask about loans. It would solve the problem of access, help the Government with funding and place a value on education for those who benefit from it while not crucifying the parents.