In June 2021, a financial institution called Credicare service announced it was closing, and it left 2,300 people out of pocket, including many senior citizens in my own electorate, and people like Wayne White of Dunedin who had paid into this fund for decades, some of them for 25 years, hundreds if not thousands of dollars. Those who were over 73 years old were offered a closure gift of $50, which they found difficult to understand, and they basically walked away empty handed. This financial institution was about funeral costs. It was these seniors trying to do the right thing by not lassoing their families with the expense of funerals should they die, and the idea was that everybody would chip in and that when somebody passed away, they would have their funeral costs covered to the tune of $10,000. The problem is that as that cohort aged and fewer and fewer people opted in, and more and more people died, the fund basically ran out of money.