Thank you. I'll certainly be happy to take this up with my counterparts in the UK Government. I write, on a very frequent basis, to the UK Government expressing the Welsh Government's concerns over many aspects of the implementation of universal credit, not least the impact that it is having in terms of rent arrears and the increase that we're seeing across all tenure sectors as a result of the implementation of universal credit. 

One thing I am really keen on is that the UK Government takes a proactive approach in terms of offering people alternative payments, by which I mean payments direct to their landlords rather than to themselves, when they're first having their discussions with their work coaches. That's not right there in the template that is used at the moment, but we have had some really good discussions directly with the Department for Work and Pensions on a local basis to ensure that they are having meaningful conversations with people about their options in terms of having those payments. So, rather than saying, 'Would you like an alternative payment?' they're actually being told what that, practically, means for them, because an alternative payment is just a concept, really, if you're having a discussion without understanding the fullness of the options available to you.

But, again, Welsh Government officials have strong working relationships with the private rented sector, the banks and insurance companies, and this is certainly something I'll ask my officials to have discussions about with them.