To travel to seek a better tomorrow on different parts of the world is a quintessentially Kiwi thing. And often we find that we want to explore the rest of the world and find out what else is out there. We are a country that has perfected the OE—and that's the second time in recent history that the Prime Minister's tried to defend herself against my charges she's made New Zealand unattractive to young people, by pointing out that her and I both spent time and learnt overseas. Well, the OE is something that means young New Zealanders find themselves travelling and may often get into situations of bother and difficulty. And if the bank of mum and dad is not immediately available, a consular loan may be what gets them out of trouble.