Thank you, First Minister. As you've highlighted, in July Torfaen became the second part of Wales to go live with the full service operation of universal credit, and after just two months our main housing provider, Bron Afon Community Housing Limited, had recorded £27,000-worth of arrears, with 300 tenants in arrears. Citizens Advice Torfaen is monitoring closely the impact locally, which has, as you've alluded to, included delays and difficulties accessing payments, and particular problems for young people. Now, in Torfaen we are fortunate in that the local authority, CAB and housing providers are all working together in partnership to support people through these difficulties, but, with the UK Government intent on continuing with this ill-conceived roll-out of universal credit, it's going to be essential that similar arrangements are put in place throughout Wales. What more can the Welsh Government do to ensure that there is that planning in place across Wales to ensure that all communities are supported through this process?