Llywydd, just to say that the underlying assumptions behind the decisions we are making in relation to devolved taxes will be independently scrutinised by Bangor University in the way that Simon Thomas suggested. I am committed. I told the Finance Committee that I would do my best to make sure that, alongside the final budget on 19 December, we will lay Bangor's updated assessments, taking into account the changes that we have made, and they will test those assumptions so that Assembly Members will see both the assumptions we've made and their independent look at them.

Simon Thomas is right, of course, to refer to what the OBR said about the Chancellor's decision to raise the starting threshold for stamp duty land tax for first-time buyers in England on prices in the market. There is previous evidence, when there was a previous first-time buyers' rate, that that led not to lower bills for buyers but to higher prices for sellers. We will keep a careful look on that here in Wales. My decision to increase the starting threshold for anybody buying a home in Wales valued at £180,000 or less at least guarantees that other people beyond first-time buyers are not doubly penalised—not having a relief available to them but having to bear the inflated prices that sellers might be able to charge.