AGP Executive Report

Your go-to archive of top headlines, summarized for quick and easy reading.

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Ferry Tragedy: The death toll from the M/V June Aster fire off Palawan has climbed to 76, with 41 more bodies found as forensic teams begin identification and DNA sampling; authorities say 30 survivors were rescued and around a dozen remain unaccounted for. Diplomacy & Education: President Marcos issued an order creating EduPhil, a program to attract foreign students through higher education cooperation and easier entry and stay, with CHEd leading the task force. Regional Politics: Senate President Sherwin Gatchalian pushes for more localized learning measures as habagat-related suspensions keep disrupting in-person classes, urging local school boards to act during emergencies. Governance & Security: San Juan City approved funds to buy walk-through and handheld metal detectors for public schools to strengthen screening at entrances. Sports (UAAP/Asiad): Gilas Pilipinas bounced back in the Asian Games, routing Kazakhstan 109-78 after an opening loss, while UAAP Season 89 headlines include UP’s Veejay Pre set for his debut. Legal/Accountability: The NBI filed a consolidated disbarment case over the alleged “honey trap” plot involving former Rep. Jing Paras and four lawyers tied to the Recto case.

Education Reform Watch: House Speaker Bojie Dy said PISA 2025 gains reflect sustained education investments, crediting DepEd and teachers for turning reforms into better learning outcomes. School Safety & Online Abuse: DepEd warned that cyberbullying will face tougher penalties under consolidated guidelines, citing PISA well-being data showing safety remains key. Governance & Growth: Socioeconomic Planning Secretary Arsenio Balisacan urged electoral and bureaucracy reforms ahead of 2028, saying the country must professionalize government to hit faster growth. International Education Push: President Marcos signed EO 124 creating EduPhil to attract foreign students, with CHEd leading and agencies coordinating entry and promotion. SEA Games/Legal Heat: NBI chief Melvin Matibag said Sen. Alan Peter Cayetano and Pia Cayetano are set to return this weekend, while noting concerns over trip timing amid the 2019 SEA Games probe. Impeachment Fallout: VP Sara Duterte’s threats case arraignment was postponed indefinitely as she renewed attacks on Marcos; meanwhile, House prosecutors Ridon and Diokno will present unexplained wealth evidence starting Monday. Corruption Probe: NBI filed a consolidated disbarment case vs former Rep. Jacinto “Jing” Paras and four lawyers over a “honey trap” plot involving Exec Sec Ralph Recto. Labor Pressure: Senate panel chair Joel Villanueva urged immediate implementation of the Metro Manila minimum wage hike amid confusion from successive wage orders. Disaster Update: Search in Palawan for MV June Aster victims continued after charred remains were found, with the death toll expected to rise. Business & Taxes: PCCI exec alleged BIR examiners extort kickbacks from entrepreneurs, telling senators the “share” can exceed taxes paid. Sports Spotlight: Team Philippines boxing and volleyball rosters for the Asian Games were finalized as athletes juggle pro schedules and tough draws.

BRICS Summit: President Ferdinand Marcos Jr. left for New Delhi to attend the 18th BRICS Summit, saying he’ll carry ASEAN’s priorities on peace, prosperity, and people empowerment to member states. Politics & Justice: Ombudsman Jesus Remulla said he’s still considering Sen. Loren Legarda and son Rep. Leandro Leviste’s counter-affidavits in their plunder probe, while DOJ said its resolution on Sen. Robin Padilla’s obstruction complaint is still under preliminary investigation. Impeachment Watch: House prosecutors said VP Sara Duterte’s confidential funds show “direct and overall supervision” through her signatures, as the Senate impeachment evidence push starts Monday. Education & Safety: DepEd is tightening rules against online harassment and cyberbullying, citing PISA 2025 results that still flag learner well-being needs. Public Health: Health officials reported leptospirosis cases reaching epidemic levels, with more beds readied in Metro Manila. Economy & Work: Labor groups protested over Metro Manila’s P60 wage increase confusion, while lawmakers urged proper implementation of the wage order. Culture: Ten new National Artists were named, including Patis Tesoro, Bing Lao, and Resil Mojares. Sports: Gilas Pilipinas opened its Asian Games men’s 5-on-5 title defense with an 89-85 loss to Bahrain. Infrastructure & Tech: The Philippines unveiled a $34.4B AI infrastructure plan targeting 1.5GW of data center capacity by 2033. Disaster Response: Search continues for dozens missing after a ferry fire off Palawan, with rescuers finally able to board the burned vessel.

National Holidays 2027: Malacañang released the 2027 list of regular holidays and special non-working days via Proclamation No. 1427, including New Year’s Day, Maundy and Good Friday, Araw ng Kagitingan, Labor Day, Independence Day, National Heroes Day, Bonifacio Day, Christmas Day, Rizal Day, plus special days like Chinese New Year and All Souls’ Day. National Mourning: President Marcos Jr. declared Sept. 12, 2026 a Day of National Mourning for National Artist for Literature Resil Mojares, with flags at half-mast from sunrise to sunset. Politics & Courts: BI said Senate Minority Leader Alan Peter Cayetano and Sen. Pia Cayetano left for Singapore with no hold-departure orders; meanwhile, the Senate impeachment court weighs whether VP Sara Duterte still needs 16 votes to convict, turning to retired justices as amici curiae. Justice & Detention: Sandiganbayan ordered former Speaker Martin Romualdez’s transfer to BJMP custody, but movement is delayed due to his hospital-arrest motion. Public Health: Sen. Mark Villar urged faster mental health action amid rising suicide deaths and a shortage of psychiatrists and psychologists. Disaster Response: Coast Guard reported at least 5 dead and 86 missing after a ferry fire near Coron, Palawan, as families wait for updates. Sports: Team Philippines targets eight gold medals at the Asian Games in Japan, with Gilas and other squads starting their campaigns.

Ferry Tragedy in Palawan: The Philippine Coast Guard says at least 5 people died and 87 remain unaccounted for after a passenger ferry caught fire near a tourist hotspot off Palawan, with rescue efforts still ongoing. Asian Games Sendoff: Team Philippines is aiming for at least eight gold medals in the Aichi-Nagoya Asian Games, with wushu standout Agatha Wong and the women’s football team (Filipinas) pushing for better results while using the Games as a build-up for next year’s World Cup. Justice and Detention: The Sandiganbayan ordered the BJMP to take custody of former House Speaker Martin Romualdez while he remains confined at Cardinal Santos Medical Center, as his plunder case proceeds. VP Sara Duterte Court Moves: Duterte asked the Supreme Court to act fast on her grave threats petition, as her arraignment is set for Sept. 11 and security arrangements are being discussed. Public Safety Upgrades: Calapan City will launch the first 911 emergency hotline in Mimaropa, while NLEX is repairing rain-damaged sections with interim fixes now and permanent repairs once weather clears. Mental Health Push: Sen. Mark Villar urged faster action and more funding for mental health services after suicide figures rose, citing shortages of psychiatrists and psychologists. Energy and Housing: ERC and Meralco vow to speed up rooftop solar net-metering approvals, and PUP opened its Bulacan campus extension to expand access to tertiary education.

Ferry Tragedy in Palawan: The Philippine Coast Guard says at least five people died and 87 remain unaccounted after a passenger ferry fire off Coron, Palawan, with 42 rescued so far and search-and-rescue still ongoing; investigators have yet to determine the cause. Weather Disruptions: Malacañang ordered alternative work and learning arrangements for Metro Manila and 13 provinces on Sept. 10 due to the southwest monsoon, as Pagasa warned of heavy rains and possible flooding and landslides. Storm Damage Toll: NDRRMC estimates damage from recent storms and habagat at about ₱12.4 billion, with agriculture hit at ₱4.1 billion and infrastructure at ₱8.3 billion. Power and Utilities: Tuguegarao Mayor Ting-Que received a ₱2 million RES•Q Link System to speed up emergency response, while Valencia City in Bukidnon finalized a ₱2.74 billion LandBank loan for projects including a new city hall and upgrades to evacuation and health facilities. Politics and Courts: PNP says former House Speaker Martin Romualdez is not medically fit to travel for his Sandiganbayan hearing, and the Supreme Court acquitted former First Lady Imelda Marcos in seven graft counts. China Tensions: Defense Secretary Gilberto Teodoro again clashed with China after a note was delivered mid-speech at a Seoul forum, with Beijing urging Manila to stop “provocations.”

Education Watch: The Philippines posted its highest PISA scores in science, math, and reading in 2025, with lawmakers urging the government to keep fixing the education system instead of resting on the gains. Jobs & Economy: The unemployment rate climbed to 6% in July, the highest since the pandemic, as Malacañang pointed to faster business processes and workforce reforms to create more jobs. Politics & Courts: Vice President Sara Duterte’s camp faced fresh questions on whether she will attend arraignment, while Senate leaders said jailed senator-judges need court permission to join proceedings. Anti-Corruption/Detention: The Ombudsman said it will oppose former House Speaker Martin Romualdez’s bid for extended hospital confinement, and prosecutors want government doctors to assess if he can be transferred. Public Safety: PNP reported an officer facing administrative charges for alleged indiscriminate gunfire, and warned vehicle operations must follow license-plate rules. Weather & Community: PAGASA placed Metro Manila and parts of Luzon under a yellow rainfall warning; DOTr also offered free rides on key routes during habagat disruptions. Sports: Gunma Crane Thunders kicked off the B.League Manila preseason with a win over Levanga, while the PH men’s U23 football team prepares for its Asian Games return after a 52-year absence.

Impeachment Watch: The Senate impeachment court will revisit the voting threshold for convicting Vice President Sara Duterte, with legal experts set to weigh in on Sept. 16 and oral arguments on Sept. 23 as the trial shifts to Article II. Anti-Graft Custody: PNP chief Gen. Jose Melencio Nartatez said Camp Crame’s hospital is ready if Sandiganbayan approves moving former House Speaker Martin Romualdez from Cardinal Santos Medical Center, where he remains under police custody after his plunder arrest. Weather & Safety: Face-to-face classes were suspended in parts of Luzon on Sept. 10 and Metro Manila saw flooding during habagat rains, while Pagasa warned of continued gloomy skies and thunderstorms. Economy & Jobs: PSA data showed unemployment jumped to 6% in July, the highest in four years, as more fresh graduates entered the labor market. Education Gains: The Philippines posted improved PISA 2025 scores, and President Marcos vowed to keep pushing education reforms. Sports: Manny Pacquiao was sworn in as lead convenor of the National Anti-Poverty Commission, while Gilas Pilipinas will host the final window of the 2027 World Cup Asian qualifiers in February.

Impeachment Trial Watch: The Senate impeachment court set Sept. 16 for amici curiae and Sept. 23 for oral arguments in VP Sara Duterte’s case, with prosecutors skipping remaining Article I witnesses and reserving Duterte testimony; the court also scheduled Article II on unexplained wealth for Sept. 14 after the House withdrew final witnesses. Anti-Graft Case: Former House Speaker Martin Romualdez was arrested for plunder and remains hospitalized; the Sandiganbayan ordered him to appear Sept. 10 if his condition allows, while the DILG said it will seek his transfer to a PNP hospital. Local Governance & Safety: House approved a bill extending barangay and SK terms to five years and suspending the 2026 BSKE, pushing the next polls to Nov. 2028. Education: Marcos vowed to sustain education gains after PISA 2025 results showed improved science, math, and reading scores. Weather & Flooding: Pagasa warned of rains into Sept. 9 as monsoon effects persist; Laguna de Bay rose to 12.73m above its 12.50m critical level, with lakeshore barangays still flooded. Labor: DOLE said Metro Manila Wage Order 28 is forwarded to the NWPC, with a possible Sept. 26-27 effectivity. Sports: Gilas Pilipinas will host the final window of the 2027 Fiba World Cup Asian Qualifiers in February; Alex Eala leads the Asian Games tennis team.

Impeachment Trial: Day 22 of VP Sara Duterte’s impeachment zeroed in on alleged OVP and DepEd confidential fund payees, with PSA showing many names tied to no birth, marriage, or death records—plus minors listed as recipients—while defense admitted some names on receipts may be aliases. Plunder Case: Former House Speaker Martin Romualdez was arrested Monday night at Cardinal Santos Medical Center for plunder over alleged P7.44B flood-control kickbacks; CIDG said no warrant was issued yet at one point, but arrest followed after doctors cited a cardiovascular event and anxiety attack. Power Crisis: The Visayas grid was placed under red alert as demand outpaced supply, with NGCP warning possible manual load dropping and citing forced outages and derated plants. Weather: PAGASA warned of heavy habagat rains across parts of Luzon and the Visayas through Thursday, with flooding and landslide risks. Education Funding: DepEd said it can’t hire over 14,000 new teachers in 2027 because Congress set teacher recruitment funding to zero. Local Governance: Quezon City approved an ordinance for participatory budgeting, giving residents and accredited CSOs a formal role in shaping and monitoring the city budget. Mindanao Security: The Army deployed augmentation battalions to help secure BARMM parliamentary elections in Maguindanao del Sur and del Norte on Sept. 14.

Education & Social Protection: President Marcos signed RA 12325 to strengthen Universal Access to Quality Tertiary Education, with Sen. Loren Legarda saying the subsidy now better targets poor students’ real costs beyond tuition. Health & Safety: Sen. Mark Villar’s bill on the Enhanced Anti-Hospital Detention Act cleared the Senate, aiming to stop hospitals from detaining patients or families over unpaid bills. Politics & Justice: Former House Speaker Martin Romualdez was arrested for plunder tied to alleged P7.44B flood-control kickbacks; Interior Sec. Jonvic Remulla said Romualdez was confined after a cardiovascular event. VP Sara Duterte case: The NBI said it has no monitored threats to Duterte’s life, while Malacañang challenged her claims of danger; meanwhile, her impeachment trial continues with PSA findings on confidential-fund payees, including minors and people with no PSA civil registry records. Local Governance & Services: Quezon City approved an ordinance for participatory budgeting, letting residents and CSOs shape spending priorities. Power & Weather: NGCP put the Visayas grid under red/yellow alerts due to tight supply, while habagat rains triggered class suspensions in parts of Luzon and flooding advisories in Zambales.

Disaster Response: Southwest monsoon rains and multiple cyclones have left 43 dead, with Benguet hit hardest by landslides; PAGASA warns of possible flash floods and landslides in parts of Luzon and Visayas. Local Relief: In Zambales’ Botolan, rescuers airlifted food to 11 Aeta communities cut off by swollen rivers; a father and his 5-year-old daughter were swept away in a separate incident. Impeachment Trial: VP Sara Duterte’s impeachment enters week 10 as prosecutors plan to verify confidential-funds payees, after PSA flagged hundreds of supposed recipients with no birth records and questioned “suspicious” names. Security & Politics: Malacañang and PNP chief Nartatez Jr. assured Duterte the police won’t be used “as a weapon,” while Senate President Gatchalian urged threats to be taken seriously. Public Services: Cebu City starts the P3,000 third-quarter social pension payout (until Sept. 10). Transport: LTFRB opens 8,750 TNVS slots, with most reserved for EVs in Metro Manila. Education: RA 12325 expands subsidies for poor college and trade students, including internship, licensure, and disability-related allowances. Sports: Alex Eala’s US Open run ends in a loss to friend Iva Jovic; Gilas also gets new size options as Brandon Bates prepares for the Asian Games.

Sara Duterte Case: The House prosecution says it’s nearing the finish of its confidential funds misuse case, with only five subpoenaed witnesses left, though one key DepEd official’s appearance is uncertain after a stroke. PNP Reforms: The police leadership reshuffled seven senior posts, including new heads for the Firearms and Explosives Office and the unit overseeing private security agencies. Security & Trust: Senate President Sherwin Gatchalian urged the PNP to take Duterte’s threat claims seriously and investigate independently, while the Palace said the police won’t be used to harm her. Bar Exams: The 2026 Bar exams opened with 11,900 examinees logged so far, and the Supreme Court noted women make up over half of takers, including PWDs and even a person deprived of liberty allowed to take the exam. Public Safety & Services: Cebu City suspended face-to-face classes Sept. 7 due to unhealthy air, and LTFRB opened 8,750 TNVS slots, with Metro Manila allocations reserved for electric vehicles. Disaster Updates: The habagat and cyclones’ combined death toll rose to 43, with most fatalities from landslides in Benguet. Sports: Alex Eala’s US Open run ended in a three-set loss to Iva Jovic, and Gilas adds Meralco bigs Brandon Bates and Chris Newsome for the Asian Games.

VP Sara Duterte Bail Case: Vice President Sara Duterte posted P360,000 bail at a Quezon City court after an arrest warrant over alleged grave threats, while PNP said it has not received reports of threats against her family and DILG chief Jonvic Remulla said authorities knew her whereabouts but did not “force” the warrant. Education & Youth: DepEd is revising school-based Scouting rules to strengthen character formation and inclusivity, while Speaker Bojie Dy signed RA 12325 to expand tertiary subsidies for poor students and 4Ps graduates. Bar Exams: The 2026 Bar exams began Sept. 6, with Justice Gaerlan urging examinees that the test is “not for the weak,” covering political/public international law, commercial law, taxation, and more in the following days. Flood Readiness: PAGASA said habagat rains may ease Sunday but intensify again Monday in Northern and Central Luzon. Transport Updates: After an NLEx weekend gridlock, LTFRB ordered expressway operators and LGUs to map alternative routes and improve public advisories during emergencies. Culture & Sports: Lea Salonga made history as the first Filipino to get a Hollywood Walk of Fame star; in Cebu, fashion enthusiast Stephen Enoc is featured in “Faces of Cebu.”

VP Sara Duterte bail: Quezon City court lifted the arrest warrant after Duterte posted ₱360,000 bail in her grave threats case; PNP said it has not received reports of threats against her family and is monitoring. Flood response: LTFRB ordered regional offices to map alternative routes for major expressways to prevent traffic gridlocks during severe floods, after NLEX motorists were reportedly stranded for nearly eight hours. Habagat disruptions: Several Metro Manila LGUs suspended in-person classes and shifted to alternative learning as monsoon rains continued; Pagasa said heavy rain may persist in parts of Luzon and Visayas. Online child safety: Bohol Rep. Alexie Besas-Tutor pushed a bill to bar kids 15 and below from social media accounts, with parental consent and controls for ages 16–17. Local governance & crime: NBI filed qualified human trafficking complaints vs Batangas Rep. Leandro Leviste, Jacinto “Jing” Paras and others over a “honey trap” plot involving Exec Sec Ralph Recto. Agriculture: Passi City in Iloilo declared a state of calamity over red-striped soft scale insect infestation threatening sugarcane farms. Sports & culture: WNCAA Season 57 kicks off with 18 schools; Sen. Loren Legarda urged stronger investment in the creative industries as the sector supports millions of jobs.

Court Showdown: The Quezon City RTC issued an arrest warrant for Vice President Sara Duterte over three counts of grave threats, with bail set at P120,000 per count; Malacañang said it “respects” the court order and Duterte’s camp plans to post bail. Anti-Graft Case: Former DPWH chief Manuel Bonoan pleaded not guilty to a graft charge tied to alleged flood control budget insertions, after earlier plunder and graft cases were dismissed. Human Trafficking Probe: The NBI filed qualified human trafficking complaints against Batangas Rep. Leandro Leviste, former Negros Oriental Rep. Jacinto “Jing” Paras, and five others over an alleged “honey trap” plot targeting Executive Secretary Ralph Recto. Weather & Health: Habagat rains continue across parts of Luzon and Visayas; Metro Manila and several cities in NCR suspended in-person classes, while haze from Indonesia-linked wildfires still triggered “very unhealthy” air in Cebu and other areas. Local Economy & Agriculture: Cebu hog growers get 400 breeder gilts via DA and ProPork support; Iloilo’s Passi City declared a calamity over red-striped soft scale insect spread threatening sugarcane. Maritime Safety: A containership in Batangas lost 46 containers overboard, prompting Coast Guard search efforts.

VP Sara Duterte Arrest Warrant: A Quezon City court issued a warrant of arrest against Vice President Sara Duterte over three counts of grave threats, with her camp saying she will use legal remedies and aiming to post bail set at P120,000 each count. Impeachment vs Criminal Case: House prosecutor Terry Ridon stressed the criminal case is separate from the Senate impeachment process, which will continue. NBI “Honeytrap” Case: The NBI filed qualified human trafficking charges against Batangas Rep. Leandro Leviste, former Negros Oriental Rep. Jacinto “Jing” Paras, and five others tied to an alleged “honey trap” plot involving Executive Secretary Ralph Recto; the NBI is also weighing an ethics complaint. Haze and Health Alerts: Metro Cebu and parts of Visayas/Mindanao stayed under very unhealthy air quality as Indonesia wildfire smoke spread; authorities urged N95 masks and warned of high PM2.5. Power Supply Woes: The DOE said it’s targeting fixes for Visayas and Mindanao before Christmas, including diesel power barges and battery storage. Weather Disruptions: Pagasa raised red rainfall warnings in parts of Luzon due to habagat, while some ferry trips were cancelled. Fuel Security Push: Sen. Loren Legarda filed a bill for a permanent fuel-security framework and strategic petroleum reserve to speed government action during fuel emergencies. Sports Spotlight: Alex Eala’s US Open run drew major US media attention, while Gilas prep included a reunion with KBL player Rhenz Abando.

Habagat Disruptions: The southwest monsoon is bringing heavy rains over parts of Luzon, prompting the Philippine Ports Authority to cancel several ferry trips as of 8 a.m. Friday, with Pagasa warning of possible floods and landslides through the weekend. Classroom Safety & Air Quality: Malacañang ordered alternative learning modes in NCR and multiple provinces due to continued heavy rain and unhealthy haze, while DepEd rolled out a nationwide school safety drill aimed at emergency readiness. Inflation Watch: Philippine inflation eased to 6.1% in August, but food prices stayed pressured by bad weather and fuel costs. Justice & Accountability: The Ombudsman ordered the dismissal of Bureau of Fire Protection chief Jesus Fernandez over alleged bribery tied to a P485-million ambulance deal, while courts moved forward in high-profile cases involving lawmakers and flood-control corruption. Flood Control & Power: The DOE targets fixing Visayas and Mindanao power issues before year-end using diesel barges and battery storage, as flood-control enforcement and “no-build zones” get renewed push. Sports: Alex Eala advanced at the US Open, and Gilas Pilipinas begins its Asian Games campaign next week with an all-PBA lineup.

Flood Response in Central Luzon: Pampanga wrapped up efforts to ease weekend gridlocks on the San Simon segments of NLEX, using sand, sandbags and pumps after damage to a tail dike segment, with crop and infrastructure losses pegged at P1.339B. Power Crunch in Mindanao/Visayas: SOCOTECO I urged conservation as NGCP put the Mindanao grid on red/yellow alerts, with possible rotational brownouts; in Metro Cebu, a long Visayas red alert overlapped “acutely unhealthy” haze, pushing schools to shift online. School Safety Drills: DepEd led the National Simultaneous School Safety Drill to improve multi-agency readiness against armed intruders, with contingency plans for students’ safety and psychosocial needs. Accountability and Corruption Watch: The Ombudsman’s 2027 budget cleared Senate finance panel scrutiny, including plans for an Ombudsman Marshal Service; COA is also reviewing its 11-year-old rules on auditing confidential and intelligence funds. Justice and Public Safety: DOJ prosecutors in Tacloban moved to file frustrated murder and attempted murder charges over a June school shooting involving a 15-year-old suspect. Sports: Gilas ramps up for Asian Games defense with roster and Brownlee clearance still pending; PVL action saw Creamline edge Farm Fresh toward the finals. Air Quality Crisis: Haze from Indonesian wildfires worsened across parts of the Visayas and Mindanao, with authorities urging masks and precautions.

Flood-hit schooling disruptions: Zambales towns Subic and Castillejos again suspended face-to-face classes, while Olongapo City kept schools closed and shifted to alternative learning as monsoon rains and flooding lingered. In Baguio and Benguet, heavy rains and strong winds also forced suspensions, with officials citing PAGASA warnings. Flood control push: President Marcos said a long-ignored flood control master plan will finally be executed, after bridge collapses and widespread habagat flooding. Education budget strain: DepEd reported damage to over 11,000 classrooms and sought P7.783B for repairs, while lawmakers warned DOH and PhilHealth budget cuts could delay hospital expansion and strain coverage. Safety drill change: DepEd will stop active-shooter “reenactments” in Sept. 3 school safety drills, using distinct alarms instead to avoid psychological harm. Anti-nepotism procurement law: The Senate passed a bill barring relatives of public officials from government contracts, aiming to curb corruption risks in procurement. Peso slides: The Philippine peso hit a new record low near 62.565 per dollar amid renewed Middle East tensions and inflation worries. Health workforce gap: DOH linked the shortage of psychiatrists and psychologists to low salaries, even after recent salary grade adjustments. Agriculture support: The House approved a law condoning and restructuring unpaid interests and penalties on farmers’ loans to restore credit access.

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