Thank you very much for everybody's contributions to the debate this afternoon. I'll try and answer as many of the points that were raised as I can in the time that I have, although I know that we'll continue these discussions in committee as well.

I'll turn immediately to the issues that have been described about the Government's response to recommendation 14 to repay prohibited payments after a fixed-penalty notice. It's important to recognise here that the route for redress for contract holders is through the courts, and they can continue to draw on support from independent expert organisations such as Shelter Cymru and Citizens Advice when making those claims. Local housing authorities—