Thank you very much. Will you agree with me that there are three challenges? One is the absolute unaffordability of housing. If we’ve got 0.25 million people on housing benefit, that tells you that the cost of homes is completely unaffordable, and it’s certainly not possible for people on average earnings to be able to afford a mortgage at current prices.

No. 2: we need to ensure that we’ve got a release of brownfield sites—you know, all public bodies and some private bodies are sitting on land that they could be releasing for housing. No. 3: we need to get the financiers to release the money for the imaginative schemes, particularly carbon neutral schemes, which are readily made in Wales, available and tried and tested, which I’m sure people want to live in if it’s going to cut their energy bills massively by having these warm homes.