NICOLA WILLIS (Deputy Leader—National): I'm going to constrain myself to Vote Finance, and the narrow debate that we have before us, and I want to use as much of my time as possible for questions for the finance Minister. The context for this Budget is an enormous amount of borrowing and spending by the New Zealand Government. And I say that not just relative to history—we're all very aware that COVID-19 necessitated a significant fiscal and monetary response—but also relative to the world. New Zealand, relative to countries we like to compare ourselves with, was one of the second-biggest borrowers, relative to the size of our economy. And I note, in these Estimates, that means that the payments we are now making for interest, at $4.6 billion, exceed the funding we put into our primary schools each year. So there is a significant interest bill that taxpayers are paying today, and will be paying into the future.