Hon CARMEL SEPULONI (Minister for Social Development): Today, Minister Faafoi and I announced the strengthening of debt solution advice and services across New Zealand to combat debt in the wake of COVID-19. This Government is putting an additional $4.3 million over two years towards two key initiatives. Firstly, we're investing in existing specialist debt solution services. These have qualified experts that our budgeting services can access free of charge to support their clients with more specialised advice on debt restructuring and repayment agreements between debtors and creditors. Secondly is the expansion of debt consolidation loans for clients who would be able to repay their debts if these were restructured into low-cost or interest-free loans. This Government knows that the COVID response and recovery is about responding to people's immediate needs while also planning for the future. That's why we will also be working with stakeholders and communities to develop a comprehensive national debt solution for all New Zealanders.