Hamilton RyanRYAN HAMILTON (National—Hamilton East): Thank you Mr Speaker. I'd like to start with two F" words if I may just in reply to the Opposition member there: fully funded. That's something that I'm not quite sure that that member gets. There are two things that he said that I'd like to pick up on one was true and one was so false. "Everything is possible nothing is real." Well I can tell you Mr Speaker that tax cuts today are real and you can check the tax calculator on your way out Mr Parker. What's the website? Budget.govt.nz—thank you for that. The other thing he said which I actually agree with is: "Tax cuts give you less income." We realise this but we also realise that New Zealanders get to keep more of their own income and that's a big part of our policy.I wonder if members can think back to 2010 and how old they were what vocation they were in what house they were living in. Can they see the faces of their children? It was 14 years ago. That was the last time that tax adjustments had been made. In fact we would have made them seven years ago in 2017 but it got reversed by the Labour Government.Anyway today is good news. Isn't it amazing that we've increased investment to police health and still provided tax cuts in the first eight months of Government? It's incredible. Ninety four percent of households will benefit 3.5 million Kiwis; an average of $20 per week per working Kiwi—I'm using a conservative figure here. Some might say that's not a lot but let's put it in perspective: $20 for an average family that's a kilo of cheese a loaf of bread and some milk.Hon Dr Duncan Webb: Ha! A fish and two scoops!RYAN HAMILTON: It could be some extra mince or a roast for the good man there—Duncan.Hon Kieran McAnulty: Jesus how big is the roast?RYAN HAMILTON: Depends. Do you go to Pak 'N Save or Countdown? A roast chicken; how about some good old New Zealand lamb? Slow-cooked lamb five hours in the oven on a Sunday afternoon; that's what you can get with your $20. How about some money towards the nappies or the infant formula which I recall was always a big part of the grocery bill? Or a little bit of a luxury like a flat white half milk half cream. Or how about Darryl in Te Rapa who couldn't afford a coffee for a while and now on smoko break as the sun pops out through the dark foggy Waikato mornings and the sun warms his face he can go and sip his flat white with his extra $3.50 a day. Isn't that amazing?Some might say that it's not enough and it's only $20 but of course working couples and those with the ability to now be reimbursed for childcare will be even better off. I'm not going to give financial advice but if we were to take the $20 for those who say it's not enough—and some in the Opposition might like to follow this advice; at your own risk of course—and put it into an investment fund like a KiwiSaver but not one that locks it up for retirement and you did that every week for 10 years at 8 percent you would have a total of $15654.55 where about $5000 of that would be pure interest. My point is that this might seem like a small amount of money but compounded over time—Tom Rutherford: It adds up.RYAN HAMILTON: —it adds up. Thank you Mr Rutherford.We are doing a lot of things as a Government and have done a lot of things in this Budget—some big and some small. But we're hopefully here for a long time. My point is that the compound effect of the changes that this Government is making is real. The changes will provide enduring social environmental and economic dividends to the people of New Zealand. The compound effect of this Government will make a positive impact on the future of this great country.The debate having concluded the motion lapsed."