Tonight, on The Panel, Wallace Chapman is joined by panellists Penny Ashton and Tim Wilson. First up, lead your own reform, or we'll do it for you: those are words straight from RMA Reform minister Chris Bishop, who has given councils a three-month ultimatum to lock in amalgamation proposals. The Panel talks to South Wairarapa Mayor Fran Wilde. Is three months enough time? Then, in Porirua a single mother has had 14 thousand dollars of debt from a car loan written off. This is thanks to the advocacy from a local budgeting facilitator, who wouldn't take no for an answer when she saw the stress this debt was causing.