SIMEON BROWN: The question is around: why is the Minister not actually addressing the cost of living crisis and not even referring to it in clause 4(2), which says "a cost of living payment scheme". He doesn't even say "crisis"—doesn't even say "crisis". That's the reality of New Zealanders out there in the main streets and in the towns up and down New Zealand and the suburbs of our cities. This bill doesn't even address it. I ask the Minister: why is this Government not even mentioning the word "crisis"?