Under Labor, the prospect of owning your own house has become the preserve of the rich. Barrenjoey data shows that the share of Commonwealth Bank home loans for owner-occupiers earning more than $200,000 has doubled in the past few years, but the share going to borrowers on less than $100,000 has almost halved. Minister, won't your government's business-burdening industrial relations changes—green and red tape—make a bad situation even worse?