You referred to the borrowing cap. Would you agree that when the borrowing caps were first introduced, following exit from the housing revenue account by agreement with local authorities, it was expected that those would be devoted primarily to helping the stock transfers that had not met the Welsh housing quality standard to achieve the Welsh housing quality standard? How, therefore, are you ensuring (a) that the Welsh housing quality standard is not given a lower priority to delivering some much-needed new social homes, and (b) that local authorities are all working in accordance with the agreement made with registered social landlords through the Welsh Government late in 2016 to ensure they work together with their combined resource to maximise the number of new social homes they can provide?