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Years. there is a link between this kind of covid debt cycle and mental health issues, as well. with that in mind, we can bring in morgan wilde, the head of policy at citizens advice. good morning to you. what are you seeing in the people that are you seeing in the people that are coming to you, in terms of the financial situation they are in coming up to christmas? we are seeinu coming up to christmas? we are seeing peeple — coming up to christmas? we are seeing people facing _ coming up to c...