So what were those elephants that I couldn't get movement on? Remembering these issues are not new; they are just the ones that are important to me. The first is abatement rates and our welfare system. Of course, we need a system to support those that find themselves in difficult situations. My elephant relates to tax credits that support working families but, in fact, penalise those same families when they earn an extra dollar—the abatement rates that are so punitive that it is no wonder that some choose not to work, or restrict themselves, at least. The effective tax rate for some people can be as high as 100 percent. That is, for every dollar earned, the tax man takes the entire dollar. For me, that is not right or fair.