Hon WILLIE JACKSON: In terms of debt, as part of the welfare overhaul, the Government has initiated a cross-Government work programme which is looking at reducing hardship and preventing debt from occurring. Steps have already been taken as part of the work—for example, increasing access to dental grants so that people don't go into debt for high-cost dental needs, and changes to legal aid, including removing interest off debt, increased eligibility thresholds, and removing the legal aid user charge. This is an ongoing piece of work.