Hon TODD McCLAY (National—Rotorua): Mr Speaker, thank you very much. Often when we start these speeches, we say, "It's a pleasure to speak in this debate.", but this time, it's not. This is the second time in about a year and a half that I've been in this Chamber talking about borrowing money and spending money, and it is the poor old taxpayer that is at home doing everything this Government is asking of them that will foot the bill. You see, at the time of the first lockdown last year, the Government came and borrowed about $56 billion to be used to help New Zealanders to get through COVID, to be focused on the things we needed for COVID—as they said at the time, to make sure there was enough in the kitty for the rainy day or the COVID day in case it came back. We've heard again and again in debates this week, and in questions in the House, the need from the Government to borrow more money because the $56 billion that they decided they needed to spend for COVID last year, that is borrowed, has run out. 