The cabinet approved 106,798 million baht for three southern double-track rail lines (Chumphon–Surat Thani, Surat Thani–Hat Yai, Hat Yai–Padang Besar), due 2574–2576, plus a feasibility study for a motorway to Narathiwat. State-owned Krungthai... no. Government Savings Bank will offer 4,000 million baht in 5-year soft loans at 1.5% for flood recovery and new entrepreneurs. Households get a flood, storm and earthquake insurance scheme, with the state paying premiums. BOI investment incentives in the area are extended 3 years. For southern SMEs: the loan scheme is the near-term item to check. The rail lines are years away; design finishes January 2570 and EIA follows, so plan for freight and logistics changes later, not now.