We're seeing at the moment a simultaneous global health crisis and global economic crisis. And really, in terms of where we're focused, the intersection between debt and finance and poverty, the real impacts of that crisis, we don't think have actually fully been felt yet. They're just starting really to be set in motion. And we actually seen that much worse impacts are on the horizon, both in terms of personal debt in the UK, but also the global South debt situation for poor countries.
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