After all, even after the relief provided by the first batch, the banks' bad-loan ratio still stands at 22%, according to Guonan Ma and Ben Fung in a recent paper for the Bank for International Settlements.
Ben Daley will make his international debut at loosehead, Salesi Ma'afu plays at tighthead after just a single run-out against Fiji last weekend, and Saia Faingaa will be sandwiched between them at hooker, making his first start.