I thank you very, very much for those comments. I particularly would begin by saying that I share your interest in co-operative housing and seeing what further we could do there, because, in the time I've been in post, I've been able to see—well, one particularly stands out in my mind, the example of the co-operative housing that we've supported in Carmarthen. I was really struck by the fact, actually, that's not just about building homes, that really is about building communities, because there was two years' worth of work that went into working alongside those residents before they even moved into their new homes in order to help them become good co-operative members, but also to create a community as well.

The skills that people have learned through being engaged with that, and the value that they've had, goes well beyond, I think, just the homes that they're able to live in. So, we do provide funding to the Wales Co-operative Centre for support for that work. But one thing I will say is that we all, I think, need to be encouraging local authorities and RSLs to be considering co-operative housing because, actually, there is a lot of heavy lifting needed at the front of this, which is perhaps one of the reasons why it is less popular and there hasn't been as much take-up as I would like. But I have agreed further funding for the Wales Co-operative Centre this year to see what we can do in terms of furthering the work on co-operative housing. I understand that there are discussions with at least 25 interested parties at the moment, so I would hope that this is an area where we can see some growth in future, just purely because of that added value that you get when you do undertake co-operative house building.

Land for housing is another area where I do recognise that there is a lot of pressure, so I'm keen to see what more we can do about utilising Welsh Government land, which I know can play a really important part in the provision of housing in Wales. A number of significant Welsh Government-owned sites have already been brought forward for housing delivery, and I'm in close contact with Ken Skates and his department, looking at the land that Welsh Government owns and whether we can bring it forward for use by RSLs particularly, potentially offering it to them at a market rate but without having to put it on the market, for example. So, looking at innovative ways in which we can support land for RSLs in particular.

We do have a land for housing scheme, and that is a loan scheme, which enables RSLs to purchase land to support the delivery of affordable and/or market homes, and that scheme has already invested £42 million to date. That's going to facilitate the delivery of over 2,800 homes, 85 per cent of which will be affordable homes. We're also looking much further afield than Welsh Government-owned land—so, land owned across the public sector—because that can be really key to the delivery of further affordable homes in future. Affordable homes have actually been delivered on land made available by the public sector during the last year to the number of 689. So, it is something that is happening, although I accept that it's something that we need to be looking at scaling up as well.

You mentioned, of course, land sitting vacant, and you'll be aware of the proposals for the vacant land tax. I think that's a positive way in which to stimulate and encourage house building in future and prevent people and organisations sitting on land that isn't going to be used for the purpose for which we understand it. 

I think small and medium-sized enterprises also have an important role to play in terms of building on those small parcels of land, land that would not be attractive to larger builders, but could be attractive to small builders or to self-builds. So, we're working really closely with the Federation of Master Builders, the Builders Merchants Federation and Welsh builders merchants in promoting a wide range of schemes that we already provide and we're also working through the house builder engagement programme, which also includes representatives on there of small private developers, including SMEs, to understand the barriers that they face to building more housing, and what we can do in order to tackle that. I met the house builder engagement programme alongside Ken Skates and Lesley Griffiths just in the last couple of weeks to understand further the barriers that there are, particularly around planning in terms of building those smaller schemes as well.

So, there is clearly a lot happening, but I appreciate that there's lots more to do, and improving the quality of existing homes is something that's of concern to me. Some of the homes in the greatest disrepair are those homes that are in the owner-occupier sector, and we need to be thinking about what we do—. Once we've achieved the Welsh housing quality standard in the RSL sector and local authority sector, then we need to start thinking, really, about the support we might be able to offer to people who own their own homes but just don't have access to the finance that they need to bring them up to a standard that we would want to see.