I'm thinking here in particular of the Manurewa Salvation Army, which I've had the pleasure of meeting with several times now and seeing the practices of their Good Shop bus, which goes out to the homes or people in Manurewa. They go to the homes of people who might not otherwise be able to get out to the shops. Often these are people with some form of disability—one of the 1 million to 1.2 million New Zealanders who live with disabilities daily. Their practices have meant that the unfair practices of, essentially, second-tier or third-tier lenders going out in vans to these people's houses no longer has the same kind of sway that it did. 