Well, Minister, when this policy was introduced, it diverged from the option that they took in England. There, first-time buyers have a relief of up to £300,000, and, on properties that are priced at that level, there is no stamp duty at all. You quote the average house price—I thought you said £140,000; I think that is not accurate. The average price, I think, at the moment is £180,000 or thereabouts, and that is a significant amount. For properties then between £180,000 and £250,000, which is where the average price in many local authorities now is, first-time buyers will not get full relief; they'll get a margin of that on the £180,000, but they will not get the same deal that those buyers would get in England.

Let me just spell out what that means. In Cardiff, it means our first-time buyers, compared to the equivalent in England, pay £1,700 more in tax. In Monmouthshire, they pay £5,400 more in tax, and, even in Anglesey, first-time buyers there are paying more than £1,000 in tax in addition to what they would pay if they were in England. Do you think it's fair that our first-time buyers in Wales do not get as good a deal as they get in England?