Welcome to Midday Report essentials In this episode: Labour is promising to cap public transport fares at $20 a week in Auckland Wellington and Christchurch and $10 a week outside those metro centres. We spoke to transport spokeman Tangi Utikere. New Zealand's biggest insurer says our approach to natural hazard risk is "ad hoc and piecemeal" and we spoke to IAG about what they want changed. Finally, we heard from Opportunity leader Qiulae Wong, who says she wants to knock Winston Peters off his throne as kingmaker. Can Quilae Wong TOP five percent and get the Opportunity Party into Parliament?