Allan KiritapuKIRITAPU ALLAN (Labour): Can I just say it's a real delight to be able to follow on from the member Lawrence Yule on the opposite side. He articulately I think stated what many of us felt who sit on the select committee and heard the submissions from those many advocates who work in budget advisory services right through to those as my colleague Dr Deborah Russell mentioned earlier before who had been people that were subject to the predatory loans and found themselves in quite a rough time. I think we all collectively shared—around the Finance and Expenditure Committee over the several months that we did consider this bill. I think there were some really clear lines that you could see: that there are specific people within our communities that are vulnerable and that our job as legislators is to find that balance that the member Lawrence Yule just spoke to prior and exercise our collective will. So it's quite nice when you get to get up at the end of the week and agree with all of your colleagues across both sides of the aisle when we're acting to protect some of those most vulnerable people within our communities.From my own perspective and coming from the East Coast we had a number of really persuasive submitters from Gisborne—in particular the fierce women and they are mostly women from the budget advisory service who not just in the select committee process but they did participate in that but on several occasions called me into their office to lament or really share their frustrations and concerns as have been shared in this House this afternoon about just how hard some of these pay-day lenders pursue vulnerable clients. They then took the time to walk me through what they did as advisers working alongside those families that were stuck in those cycles of debt. These are people from a whole range of walks of lives. I'm talking about the advisers who volunteer at the budget advisory service—but just the real pain that they shared on behalf of just family after family after family. So I really want to take my time this afternoon to acknowledge those volunteers up and down the country who work alongside some of our community members that really are having a rough time and yeah they give so much.So too we heard earlier about some of the sisters the nuns from Gisborne that came down to share their experiences. Gosh they were quite radical. I didn't grow up with nuns as a big part of my life—my experience was through that movie Sister Act so I knew that they're a little bit radical but geez they were. But they really sort of set us on the map and made us really think about families in all sorts of walks of life. It's not just those that are continuously at the lower end of the socio-economic rungs. For example in our communities at the moment we've got a lot of agricultural families that are in immense financial strife. On the wrong day at the wrong time with a little bit of persuasion—an act of persuasion by some of these predatory loan companies—they were being pursued. So they spoke on behalf of those families as well as did the rural women's association.I think too though for me as we were engaging in this process and trying to strike the right balance I want to acknowledge the Hon Kris Faafoi. We worked really closely with him and his whole team of advisers around the interest rate cap. So I can only commend Tim Barnett the former member of this House his team Soraiya Daud and their whole crew that they brought together and the campaign that they ran to I guess really walk us through how we could implement an interest rate cap that struck that balance that still enabled financiers to be able to provide short-term loans as appropriate but to be able to limit those interest rates to a state that was manageable. So I commend him. But as we were considering this legislation another change that was made through the committee process was bringing mobile traders into the Act and made them be—anyway I want to acknowledge Carol Beaumont because she came to mind. I commend this bill to the House.