This week, I'm joining Michael Sheen as a new patron for Credit Unions Wales and I'm delighted to see this positive outcome of Welsh Government collaboration with credit unions in Wales as part of the financial inclusion strategy, which you've now endorsed with the allocation of financial transaction capital. Would you agree that this is precisely the way we should be using financial transaction capital, to meet Welsh Government goals of promoting social justice by supporting our credit unions? This allocation will help meet the challenging capital asset ratio requirements, which have changed in the last couple of years—particularly challenging for large credit unions—to ensure that we can help the growth and viability of credit unions in Wales.