Hon KRIS FAAFOI: These are, obviously, very difficult and financially stressful times for many families around New Zealand. If people need to take out any new loans from high-cost lenders, the changes we have fast-tracked make sure they're protected from getting trapped in debt spirals. While it was critical to make these changes, I urge anyone facing financial difficulties to explore options before taking on any high-cost loans. They can talk with their lender about alternative payment arrangements, contact Work and Income for financial assistance, or get in touch with their local budgeting service for advice.