Then Mick said that the practice for existing leaseholders needs to be examined. Again, I think the Minister did indicate that that's a real concern. So, I thought, in general, where you started is where the other Members then took us in more detail, and then the Minister broadly, I thought, did reply to most of the points.

Janet Finch-Saunders mentioned the action, or the intentions, that have been expressed by the UK Government, and there's this whole issue about how much power we have in terms of the Wales Act, but I think we should certainly seek to act quickly. We don't need to follow the UK Government, and the UK Government hasn't yet actually brought its own legislative proposals forward, although I hope to see them soon. Janet talked about this new phenomenon of leaseholds being used for new build, which was a central part of the debate. She also mentioned, when that happens, the lack of information for home buyers—often first-time buyers, perhaps young families, and not quite realising the implications of leasehold and what that would bring.

Lynne Neagle talked about a slightly different issue—which I think was hugely important, actually—those who have purchased social housing, or what was social housing in the past, and have a leasehold that has quite a strong obligation in terms of maintenance, and where these people are, then, when quite considerable maintenance charges are applied. I think we've all had casework where, often, blocks of flats have extensive exterior renovation, use of scaffolding, new windows and repair to roofs—very, very expensive. These people, I think, are often quite a vulnerable group, and you made some interesting suggestions there, which I'm sure the Minister heard, such as a cap on charges.

Siân Gwenllian then talked about retirement flats and what happens when your residents' association is simply not as active or winds up because you don't have the key people you need to take it on, and then the practices of some management companies to really use that property as a way of getting income out of people. I think that's a real, real concern that many of us have had and have seen the problems—that badly motivated maintenance companies have resulted in really quite a bad situation for those tenants.

David Rees then reminded us that this is not a common way of ordering land ownership around the world. We, unfortunately, seem to be stuck in a somewhat feudal practice. You did say—I thought this was interesting, because it's what I've heard as well—that there's no great price difference when you buy a new home on leasehold or freehold. I think that's really interesting, because I've even heard of a development in south-east Wales where the developer changed policy halfway through. The price of the houses didn't change, only those who brought early in the development now face additional charges to get their freehold of about £3,000 on average. Now, if you're a first-time buyer, a young family, suddenly facing a £3,000 bill just to get your freehold—I think there's a real, real problem.

Gareth Bennett talked about the 1950s and 1960s. You'll remember the discussions that were even later, back in the 1970s and 1980s, when leasehold reform had bedded in, but then there were still a few more problems coming forward. But it was a real issue in Wales in the 1950s, and it's now come back, so I think we owe it to our constituents to search out that best practice and establish it once and for all. And, again, you mentioned that first-time buyers were particularly vulnerable. 

Then, finally, Jane Hutt talked about the waterfront development in Barry. It's an important development and it's typical of some of the more exciting developments that have occurred in the last decade or two. There, Help to Buy has often been used even when there is leasehold tenure. David Rees said that's one thing perhaps we could change, and I think, actually, if we send that sort of signal you'd see the developers change their policy—the ones that have not signed up to your best practice yet would soon shift. That's a thing that we should be doing. 

And finally, I'd just like to finish with what Jane Hutt said—that Wales should lead the way, we should reform. We heard what the Minister said. I'm not quite sure everything can be done without legislation. I think we should do as much as possible quickly, but I do think there is probably going to be a need for legislation. Once we can assure ourselves that we have the competence under the new Wales Act, you clearly will have cross-party support to act, and to act quickly. Thank you very much, Deputy Presiding Officer.