NICOLA WILLIS (National): This is a bill that increases the level at which the family tax credit comes in, because today we are increasing benefits. There's been much discussion on the other side of the House about why we're doing that. Here, in the National Party, we agree that lower income New Zealanders have been made particularly vulnerable by this Government. We have heard, on the other side, talk about the dignity and moral choices. Well, I want to talk about the moral issue that is the way costs have gone up by this Government. Because you can talk about the difference between different jars of jam, but what's actually far more significant is the fact that, on average, rents have gone up more than $100 a week under this Government. If you want to look at what is driving poverty, what is driving problems for lower income New Zealanders, housing costs, and the extensive growth in them, is the actual number one reason why this Government is having to increase benefits.