Collins JudithHon JUDITH COLLINS (National—Papakura): Thank you Mr Speaker. I quite enjoyed that presentation by the Hon Dr Deborah Russell primarily because I thought it was excellent to talk about people who do not have much money to pay for stuff and things that they need. And I want to do that too; I want to talk about people who genuinely cannot pay their mortgage or people who genuinely are striving to pay their rent. And that is actually—a lot of that is on the cost of borrowing at the moment. And as we know when we look around other developed nations that we like to compare ourselves with our interest rates are going up and theirs are going down. Recently I was in Australia—they were complaining about things like 4.5 percent interest rates and we are seeing in my electorate in Papakura and all around the country people who have either bought their first home or they've expanded to another home or they're just dealing with the fact that they were able to borrow at 2 to 3 percent interest rates and they are now facing the loss of all of their equity because their house prices that they paid often on the KiwiBuild scheme were actually inflated to what they really should have been given what they were buying. And they have had Kāinga Ora move in to their street and put gang members in it. And that is the sort of thing that we deal with in my electorate office in Papakura. How we deal with the worst landlord in the country Kāinga Ora which I see is now getting $71 million extra. This was an agency that used to have no borrowing no debt and did its job. It is now so in debt around $14 billion I understand and not doing its job. It is now the worst landlord in the country and unfortunately now the worst neighbour in the country. We have now a situation where people can't pay their bills. But what we should do is keep these sorts of things like prescription charges the $5 co-payment which I can certainly afford to pay and I think every member of Parliament should be able to pay for themselves and for their immediate family particularly those living with them in their own home rather than charging them extra power or something for their room. It is very important that we do our bit for that but we also know that that is a charge that should be—or lack of charge that should be—targeted to those who really can't pay; those on community services cards those who are on national superannuation those who really do not have extra money to spend and particularly those who are very unwell and need repeat prescriptions. And that is already in place as those of us who have actually looked at what situation people are in would know rather than trying to grandstand as we saw the other day from Arena Williams. What a disgrace for the MP for Manurewa being blatantly let's say untruthful. What we are seeing now is a Government that has spent as though—DEPUTY SPEAKER: The member can't make that statement so she will withdraw and apologise.Hon JUDITH COLLINS: Oh yes I withdraw and apologise. Thank you Mr Speaker. Mr Speaker has of course reminded me of what I really feel about this which is how despicable it is coming out and talking about a father having to choose between paying for a $5 prescription or pay for heating his room when the room is in that member of Parliament's own home. It is an absolute disgrace and I am very pleased that somebody in the media has finally picked it up. Now looking at the debt that this Government has put on New Zealanders: $28000 per New Zealander extra to when they came into office six years ago—$28000. Interest rates through the roof. Nothing to talk about in this Budget except another $7 billion - odd being borrowed again on top of last year's $7-odd billion extra to what there was before. This country is getting into debt. One of the worst finance Ministers that I can recall and I remember a Labour Party person shouting out the other time I said that Well what about Rob Muldoon?" Well I tell them this: at least Rob Muldoon got some hydro schemes built and everything else built that's running our renewable energy. He had some faults but I can say this: at least he got something done. This Government has been treating money as though it's confetti throwing it around not wondering about targeting trying to get as many people as possible on taxpayer money. New Zealanders are being treated as though they are fools and they are going to turn and this election is going to be it; it's the last Budget from that finance Minister."