"What is he doing with that money?", New Zealanders say to me. They say, "Just tell me it straight, Nicola. Where's it all going?", because they're not seeing the improvement. They're not seeing more hip operations. They're not see more kids getting better achievement at school. They're not seeing that, actually, the housing crisis has been sorted; in fact, they're seeing four times as many people waiting for a house. They say, "Please, Nicola, can you just urge the Government to give us some tax relief, because we're doing it hard.", but will they listen? No, because, actually, on the other side of the House there is a smug belief that this Government can spend New Zealanders' money better than they can, and there is no plan. In fact, the plan is spend more, dream up new ways to tax people for it, and then cross your fingers and hope it all gets better, and that is not good enough. 