Faafoi Kris; Williams PotoHon KRIS FAAFOI (Minister of Civil Defence): Madam Assistant Speaker there have been a range of emotions during this heated debate this afternoon. My colleague Deborah Russell was saddened by the position that the Opposition is taking; Michael Wood disappointed. But I tend to disagree with them and I'm sorry to do that to my colleagues but I actually think this is a good day for the Parliament. We are following through with an election promise that we made to not continue the tax cuts that the National Party made in their previous term of Government to ensure that we had the revenue to invest in things like transport like housing like education like infrastructure because we knew that the public of New Zealand desperately was in need of support in those areas.We've had members of the Opposition this afternoon decry things that have come about from this coalition Government like the winter energy payment. But as Mr McKelvie said if he's had plus-65s in his office talking about KiwiSaver then I challenge them to have those over-65s in their offices and say that they don't want the winter energy payment—that over-65s don't feel the need for a bit of support during those winter months to make sure that they can keep their homes safe. So whether they're in Hastings whether they're in Huntly whether they're in Martin whether they're in Kerikeri whether they're in Timaru or Masterton those members across the hall at the moment they can go back to their communities and say We don't support the winter energy payment." to those superannuitants who desperately need help to do a pretty basic thing which we have at this House here and that is to keep their houses warm. So that's the challenge that I put across to other members of the House if they don't support this piece of legislation.They don't support the fact that we went out there and made a promise to the New Zealand public that we wouldn't continue with National's tax cuts—which to put Mr Falloon right was targeted at high-income earners to make them better off. So just to fact-check and bring this debate back to reality those tax cuts that we're using to make sure that we've got the revenue to invest in all of those things that I've suggested were to make sure that the National Party had a promise to high-income earners at election time to go out there and try and win an election—which thankfully they didn't.There are some even better things in this piece of legislation and they are tweaks to KiwiSaver settings. Many members I have talked to them about the changes to the contribution rates: we're adding 6 and 10 percent. One thing—which is a small thing which I hope will make a big difference to the decisions that some KiwiSaver policy holders have now—is changing a small thing called a "contributions holiday" to a "saving suspension". A contributions holiday sounds like something that you want to do but I think about 42 percent of New Zealanders who are in KiwiSaver at the moment are on a contributions holiday. Mr Scott did put out a challenge to us or put out the issue about how do we get more people in KiwiSaver. The subsequent issue also is how do we get more people who are currently in KiwiSaver to put money into their accounts and actively manage it to make sure that when they do turn 65 that as well as the superannuation they have enough money to get through retirement.These are good changes in and around the KiwiSaver settings. I want to give credit to Diane Maxwell and her team at the Commission for Financial Capability because those changes in this bill pretty much came out of a review that the commission did back in 2016. A point that I would like to make is that those recommendations came in in late 2016 and sat and gathered dust in the final year of the previous Government. So I'm happy that we've got this piece of legislation that follows through on some good advice from the commission that will make KiwiSaver settings better for New Zealanders and also follows up on our promise to make sure we're investing in health housing education transport and other infrastructure projects that the previous Government wouldn't have been able to afford if it continued on with its tax cuts for the rich.ASSISTANT SPEAKER (Poto Williams): Just before I call the honourable member I just want to remind people—I'm sorry if you're being distracted by the malfunctioning time clocks. Rest assured that my clock is working perfectly well at the desk here and I will give members the required time bell."