Well, Llywydd, there are a number of important points in what the Member has raised. Let me begin by agreeing with what he said about the importance of discretionary housing payments and my hope that all local authorities in Wales use that fund to the maximum possible extent to assist those of their residents who are so badly affected by the interaction of universal credit and housing costs.

The point I think the Member is trying to get to is that his Government has decided to stop paying local authorities to be able to advise claimants of universal credit and, instead, are intending to fund the citizens advice bureaux for one single meeting with claimants in order to assist them with the universal credit maze that they face. This will lead, I believe, to additional difficulties for claimants, additional difficulties for housing providers, and will place some advice agencies in a really invidious position where they know that it will not be possible to solve the complexities of some universal credit claims in a single advice session.

So, while I understand what Community Housing Cymru has said this week, the real problems are not in the hands of local authorities or housing providers; they are inherent in the flawed benefit that is being rolled out and in the way that the UK Government seeks to move responsibility for providing decent and sustained advice to people who need it in order to make sure that their basic rights to a decent place to live and enough money to eat from are sustained.