Yes, certainly, and a number of those organisations are members of the new group that is considering a public bank for Wales. I’m also aware of the work of Robert Owen Community Banking and so on. So, yes, what we want, of course, is more variety in the financial sector and to build on what already exists, including credit unions, where they have a very important role, and we want to see how we can strengthen that role, as well.

I welcomed the comments made by David Rowlands. He changed his opinion about the name, but we’ll set the name aside for now; that, of course, isn’t the predominant theme of today’s debate, but it’s the purpose. And he’s right, of course—In thinking about the problems faced by small businesses, working capital, very often, is part of the problem. What we need, therefore, is a bank that can take deposits and that can move quickly on these issues, and so on. So, I think that’s what the majority of small businesses are hoping to see with the development bank. So, this is an opportunity, now, with the study that has been announced, to look at that wider question.

A number of my fellow Members here today have talked about the different dimensions of the crisis that we’re facing. And it is a crisis, and it’s only going to get worse, so why don’t we move ahead of that crisis and make plans ahead of time about the kind of innovative alternative model that is clear from the contributions that we’ve heard today, and which does have wide-ranging support across the parties—this idea of not just having a development bank in a narrower sense, but a public bank for Wales that can fulfil the needs of all aspects of life in Wales, individuals and businesses, that are at present disenfranchised by the mainstream banks in the private sector?