Dr. Amie Lajoie:

I refer to the health aspect that the Deputy raised. It is incredibly important. At the start of 2023, we issued a small survey to our clients to understand a little more how recent cost-of-living pressures were impacting their decision-making and spending in real time. We collect a lot of fantastic data in MABS and this is down to work of the fantastic money advisers on the ground. We wanted to be able to speak to these issues in a real way. It was a small survey and is as yet unpublished, but we hope it will be published in the coming weeks. The findings it contains are quite stark. We will be happy to share that information with committee members when it comes out. By way of a sneak peek, 93% of clients who took our survey responded that the current cost-of-living pressures are having an impact on their health and well-bring. That is nearly all of the respondents. That is what we are seeing and advisers are supporting people in these stressful situations on the ground.