Are we, as a government, going to reform our whole collection system? To use an example, I have an elderly lady who has cancer who's been going through chemo treatment, she's stuck in arrears with housing and she's gone through a divorce with her husband. She's stuck holding the bag because the lease was in her name, yet her husband worked and he was making the majority of the income. He's no longer there and she's stuck with a large debt and no real means of paying it back. In order to get into housing, in most communities social housing is the only area you can get housing. Because of these arrears it has an effect on the thing. Technically speaking, it's not her fault that because of circumstance she finds herself with this debt, but there's no way this government will consider writing that off. Same thing with student loans.

I'd like to ask the Minister, are we looking at considering revamping our whole lending system or collection system or even write-off of debts to have an inclusive system that we look at everything from education grants to housing or loans and other grants and loans that are out there? That's what really ticks people off is, they know that there are millions of dollars being written off every year by this government by way of business grants and loans to businesses and people simply just get up and walk away and it's written off. But an elderly lady trying to raise a family, dealing with coping with a disease such as cancer and to have this over your head and the government saying, sorry, there's nothing we can do about it, you have to pay it back. So I'd just like to know, have you looked at reforming some of these types of write-offs in the whole government?