I welcome the statement today. Could the Cabinet Secretary tell us how he plans to expand the skill set—the pool of people who are available to work in the development bank and build it up? Because, obviously, it is difficult to attract people who have knowledge and skills of the financial sector, where London is so dominant. I am very pleased that Finance Wales is underpinning the development bank, because of its positive record of achievement. And would he agree that the fact that it has actually provided services in the north-east and the north-west of England is really a tribute to the skills of Finance Wales and, really, a feather in their cap? I was on the Finance Committee that he’s referred to in his statement today that did look at Finance Wales, and we certainly did come up with the recommendation that Finance Wales should have its remit clarified and it should be allowed to develop. So, I think this is absolutely the right way to go. I wondered if he could give us his views about how we can expand the number of people here in Wales who are able to contribute to this development.

I also welcome very much the fact that the development bank will look at innovative ways of funding. I think he referred to crowd funding and other innovative ways of funding. I don’t know whether he can expand on that at all—how they will help small businesses to do that. I also particularly support the support that’s going to be offered for co-ops and for credit unions. I don’t know whether he could expand on that.