The impact debt has on someone’s credit rating is significant and in Ascent still a key discussion point when agreeing and setting payments plans - customers definitely do want to do what they can to rebuild their own credit profile/rating. Whilst on the radar already with the credit agencies and regulators, I think more can be done to show those customers who had problems and are working their way out of them - or may already be out of them but at the moment still carry the baggage for six years. Change will come I’m sure but it’s a question of when.