Thank you for that answer. Just to continue on this, I've raised the issue with the Residential Landlords Association and they've told me that it's often to do with insurance or mortgage, which is a policy put on them from the UK Government. My concern is that, with job insecurity as high as it is and with the private rented sector being the only option for many people, the discrimination against those on universal credit, for example, is just not feasible for them. For example, if someone loses a job or is in regular but temporary work and is required, from time to time, to restart a universal credit claim, is that person going to have trouble either renting a home in the first place or risk not having a tenancy renewed because of their work history?

So, I wanted to ask you here today whether you'd commit to making representations to UK banks, insurance companies and the private rented sector to attempt to find a way to change this behaviour, and will you make representations to your counterpart in the UK Government to make it clear that the Welsh Government believes that these policies are ultimately unsustainable, discriminatory and unrealistic, even, in the current climate?