First Minister, universal credit is too often a cruel and inhumane system in practice that causes misery for families and communities, whether it's the waiting times for initial payment and the loan system that accompanies that, or the lack of ability for direct payment to landlords in terms of housing benefit, or conditionality and sanctioning, which is often draconian. It often leads to debt, homelessness, queues at food banks, and weeks if not months spent without any income at all. Will Welsh Government consider the devolution of the administration of universal credit for a more humane system in Wales?