Bayly AndrewANDREW BAYLY (National—Port Waikato): Well what a day what a change and what a Government in disarray. You could just imagine what went on in caucus around about lunchtime when everyone was sitting there at select committees and they got that memo from the Hon David Parker: We're going to repeal that bill that we just introduced yesterday because we got it wrong. Oops!" You can imagine: "What are we going to talk about in the general debate? Let's send out some notes to all the backbenchers who've got to stand up there today and sort of say what a great Government it is." Not one of them has mentioned the KiwiSaver tax blunder. It is a debacle. Poor old Mr Parker! Poor old Mr Parker introduced the comprehensive bill—and we do them three times a year—and as he said in question time he has already removed it from the ballot. It is a shocker. The interesting thing is that the reason he claimed that he suddenly had a come-to-Jesus moment if I can put it that way is that God he's had so many people fund managers come to him today and say "Look you've got to change it." So one of the interesting things is—I wonder—who those are because for instance the Financial Services Council have been harping on to officials and I presume to the Minister himself for weeks months to say that this is a bad piece of legislation. In fact they described it as an overreach.Then today Mr Parker talked about "It's all about the banks. That's why we're turning it over because they're using a loophole." Of course he's used that excuse once before when he said that mum and dad investors mum and dad homeowners who own a rental are using a loophole because they're using interest deductibility even though it had been the part of the tax system that you should be able to deduct interest against accessible income and that had been the tenet of New Zealand tax law since time immemorial. He decided it was a loophole.Again lo and behold today suddenly he's saying there's another loophole. I would just say to Mr Parker just for the record: the convention of paying GST on 10 percent of fees has been agreed between the IRD and every fund manager for the last 21 years. So it ain't a little loophole that arose in the last five minutes. Anyway all of this from a Government that's introduced the ute tax the extended brightline tax the tenant tax the light rail tax the regional fuel tax raised income taxes jobs tax and of course the one that they've just stopped.Of course I heard all the talks today from members saying "Boy have we done a wonderful job. Well we've introduced the cost of living payment. We've introduced the winter payment. We've done all these wonderful things." But what these members do not understand is that the ordinary hard-working person in the street is now suffering just an insurmountable level of cost coming their way. Rent's up fuel's up food's up and it just keeps coming.The other thing is that businesses are just swamped by a tsunami of stress and pressure as this Government just keeps socking it to our small businesses. Our business owners' backs are up against a wall and their mental health is also at risk. We don't hear that from this Labour Government. It's huge for our small-business owners and for the people that work in their business. What people want what business owners want and what people who work in those businesses want is they want someone to have their back look after them think about them allow them to get people from overseas to work in their business and stop the added costs being rammed into them. All those big changes that keep coming: cost of labour rising freight costs supply line issues. And then the issue of crime: our 4500 dairies who are just continuously getting assaulted every day. It is tough and all this Government wants to do is impose more costs like the fair pay agreements which are not fair at all; impose a new workers' insurance scheme. The confidence of small-business owners has slumped. We need a change because really small-business owners are overworked overwhelmed and over Labour."