ANDREW BAYLY (National—Port Waikato): Thank you, Mr Speaker. Interesting final comments from the Minister, and I think I'm going to address those shortly, but we will, of course, be opposing this bill, because this bill is all about imposing more taxes on hard-working New Zealand families and individuals. Of course, we don't think that's appropriate, particularly at a time when many of those people are suffering from this incredible high cost of living that's resulted from Government policies that led to this rapid escalation in inflation, feeding through into higher fruit and vege costs, housing costs, building costs—it just keeps going on. As the Speaker knows—Mr Speaker does know—inflation is currently at 5.9 percent but wages are only going up by just under half of that amount. So New Zealand businesses and people are getting caught because they just have a less amount of money to spend on essential or household items. That's why the tax rates that are enshrined in this bill, we oppose them. 