Mr. Tim Molan:

On that point, this is as much about self-enablement and development of people. It is not just about forking out money. It is also about education and such issues. There are credit unions actively involved, and this is where the real costs of this arise. To be serious about it, we have to see it as more than just the handing over of money. There is a piece of work to be done in that regard and a bit of assistance along the way from the Department might make a difference.