It gets to the point that, even if someone's working at an adequate job, so much of their income is going towards maintaining it, that it's creating this cyclical poverty in communities. That's what we're referring to when we suggest lowering the amount of interest and how they rework things. Even with multiple loans, there's no legislation stopping payday lenders or different organizations from giving out more than one loan to an individual at the same time.
With child care, support for more community-based, not private, child care centres is really important. It's not as profitable in low-income areas to put in a child care centre, so definitely supports are necessary.
I'm sorry, I'm trying to remember, the third one was....