That is a long list of questions, Presiding Officer, so I’ll try to get through them as quickly as I can. I think the parity between modes of study is what makes this package of support so important and unique, and I believe it will be the subject of other nations looking to see what Wales has done. Indeed, Scotland are already committed to a review of their own system and are looking very closely at what is being done here in Wales. With regard to why the postgraduate programme comes in a year later, that is because, despite the very hard and very genuine work that’s been undertaken in conjunction with Welsh Government and the Student Loans Company, they have not been able to make all the necessary changes in time. So, postgraduate support comes online into the formal system a year later. But you will see from my statement that I was not prepared to leave those postgraduate students dangling. There will be loans available from this new academic year, 2017, addressing the issue that there’s been no support previously and that that has put Welsh students at a disadvantage. I’ve used the earliest opportunity that I could, taking on this job, to address that. But, for postgraduate students in 2018-19, there will be money directed through HEFCW to the Welsh universities to support postgraduate study. Importantly, that’ll be for students who choose to study at a Welsh institution, and I will be looking very closely at the impact that that policy has on what else we might like to do to incentivise students studying at Welsh institutions.

That comes back to the point that you rightly closed on with regard to bursaries. You will be aware that I and the Cabinet Secretary for health have worked very hard to create a bursary system for nurses that rewards those people who study in Wales but also commit to working in the public sector in Wales. We’ll be looking to build on that example. For instance, I’m very keen to look at the issue of ALN pathways into teaching, if there is a commitment to train in Wales and then to stay and work in Wales. We’ll be using this interim year of postgraduate support to look at the evidence and to build on what we might do in that regard.

It is true, Darren, to say that we cannot operate in isolation from decisions that are taken across the border, because of the student flow back and fore. I wish it was different, but I have to deal with the realities that I am in. If there are significant changes to systems of student support and higher education finance across the border, then, obviously, I will take that into consideration when making decisions about situations here. But it would be foolhardy to think that we are not operating in the HE sector across the England and Wales border, and, in fact, competing internationally, because of the nature of the sector.

The living wage—the type of living wage that we are supporting students with is in line with the Diamond recommendations. That’s where we are moving forward in that regard. Independent students—if they are genuinely independent from their families, they will be judged on their own income. They will just need to demonstrate that they are genuinely independent of that. There will be no specific support for aspects of the BME community or Gypsy/Travellers at this stage. Let’s be absolutely clear: this is a system that is universal, based on household incomes. As I said in my statement, we anticipate that one-third of Welsh students, regardless of where they come from in Wales, will be entitled to the full grant payment. Indeed, because of the relatively low wages in Wales, the average Welsh student will be in receipt of a grant of £7,000 per year to assist with their living costs, which they will not have to repay. With regard to the over-60s, the policy’s in line with that pursued in England.