Thank you, Jayne. I am very sorry to learn of the difficulties some of your constituents have experienced whilst dealing with the Student Loans Company. I met, the week before last, with the new chief executive of the Student Loans Company at their offices in Llandudno Junction to discuss with her and other senior members of staff my expectations of what we want for Welsh students, and we continue to discuss with them how services can be improved.

We are aware of some difficulties the Student Loans Company has had in terms of recruitment and retention of staff at Llandudno Junction, and I'm very pleased that we have been able to reach an agreement with the Treasury and the Student Loans Company that the Student Loans Company will become a real living wage employer for all of those staff, which I hope will begin to address some of those issues of recruitment and retention. Indeed, a number of new members of staff have been inducted this month, but there are still some vacancies in the office, and clearly that can lead to some difficulties. And we continue to discuss, as I said, with the SLC, what steps they can take to improve the service available to Welsh students.