Thank you, Cabinet Secretary. Earlier this year, research commissioned by Cardiff Metropolitan University found the average rent arrears for tenants claiming universal credit was £449.97. The six-week waiting period for the first payments will mean that the first payment of universal credit for those in Newport will be 27 December. Will the Cabinet Secretary once again urge the UK Government to reconsider the six-week waiting period for this flawed policy, which will plunge yet more people into poverty and debt, and also support the housing sector’s calls to immediately roll out the much needed landlord portal and trusted partner status, so that housing associations in Wales will be treated the same as those in England?