The Member for Newport West touched on a point of the levels of personal debt and that being a real impact of the hideous welfare reforms being thrust upon us by the British state. Research earlier this year showed that personal debt levels in the NP postcode area were the highest in Wales and, across the United Kingdom, they are now reaching pre-recession levels. I wonder what action the Cabinet Secretary is considering in light of this new research to target ethical financial support in those areas with the highest level of personal debt, and also the areas that are losing financial services from the traditional banks, because the last thing we want is these people who are already under siege from the state to also be under siege from rogue lenders.