What we have in these Budget documents is a series of band-aids, of announcements of more spending, where what is required is more delivery. And a case in point is the band-aid cost of living payment. Now, I've spoken to many New Zealanders since the Minister set out this Budget, and so many of them have said to me—and these are New Zealanders from all walks of life and from all incomes—"What an insult that $350 payment is. What an insult to say that you can, as Minister of Finance, buy me off and say it's all sorted by giving me $350. Well, actually, what I want to see from the Government is a plan for strengthening the economy in the long run." What New Zealanders want to see is a plan to grow productivity and drive better wages, such that wages are growing faster than incomes. What they want to see is low and stable interest rates. What they want to be able to do is be businesses that can find workers to invest and grow. They don't simply want band-aids; band-aids, by the way, that as of last week when we spoke to the IRD, 170,000 are going to miss out on because the IRD still doesn't have their bank accounts, and millions will be spent on hiring 300 staff for the IRD to administer the payment, when what was needed—