Dirprwy Lywydd, let me begin by agreeing with the point that Dawn Bowden made in opening her supplementary question. I attended a meeting early today involving housing associations, the third sector, credit unions—all of them expressing real concerns about the impact that changes to universal credit are already beginning to have in parts of Wales. Some of us remember the time when we had what was called a social security system, and what we now have is exactly the opposite, a system that breeds insecurity in the lives of those people least able to bear it, and the result is that costs are created and displaced into other parts of the system. The Trussell Trust has reported that food bank usage in areas where there has already been full universal credit roll-out has increased by more than twice the rate in other parts of the UK where roll-out has not happened. But we see it as well in escalating arears, evictions, impact on mental health services, and so on. I know Members here have asked me in the past about the way in which Welsh Government budgets can be used to protect the social fabric of our society at a time when it is under such strain, and where individuals need to rely on it all the more. And the points that Dawn Bowden made about what we are trying to do in housing, in supporting people in greatest need, are part of our ongoing efforts to try to use the budgets we have to make good the social fabric because we know how much it is needed here in Wales.