Can I start by also reflecting the Member's comments and recognising the work the citizens advice bureau provides in providing advice and promoting financial inclusion and that support for people in communities across the country, and also recognising the work both you and your colleague Gerald Jones have done in trying to prevent bank closures and best mitigate the impact? I know it's something that probably all Members in this Chamber will be familiar with, and familiar with having to campaign in that way as well. And, unfortunately, whilst we don't have the levers at our disposal in terms of regulation in terms of preventing banks from doing that, there is actually action we can take within Wales to make sure that financial inclusion doesn't suffer as a consequence of that.

The Member mentions about the—[Inaudible.]—access to ATMs through Link. We will continue to liaise with Link—as Welsh Government—the cash machine network to help ensure that there is adequate provision of free-to-use cash machines maintained locally, whilst focusing on our work with credit unions. There are 19 credit union providers we're supporting between April last year and March 2020, and Merthyr Tydfil is one of these as well. The Member is also familiar with the work being led by my colleague the Minister for Economy and Transport on developing a community bank in Wales. Banking professionals are currently working with the Development Bank of Wales, who support this work, ensuring that the creation of a community bank integrates with existing financial institutions, including the development bank and, of course, credit unions. Hopefully, this will go some way to supporting financially inclusive communities.