Diolch, Dirprwy Lywydd. This is an important subject, and very timely, with this year's Scam Awareness campaign starting this week. I know many Members will have been contacted by people, as Caroline Jones has and has reported—often older and vulnerable people who have been victims of scams. As you're aware, policy on stopping scams isn't devolved. Similarly, fraud of any kind is a crime and is for the police to deal with. Despite this, we are determined to do all we can to deal with issues that affect community safety in Wales and have such a huge impact on victims.

As we all know, and we've heard so clearly, scams can have a devastating impact on victims and their families. It's estimated that British consumers lose around £3.5 billion to scams every year, the equivalent of £70 for each adult living in the UK. And we've heard, of course, Citizens Advice research showing that 61 per cent of people have been targeted by scammers in the last two years. I'm also alarmed to learn through their research that nearly 40 per cent of people have been targeted five or more times. Older people, some in their 80s and 90s, are being contacted by fraudsters, demanding money or attempting to get them to transfer bank funds, as we've heard, and threatening them if they don't comply. These calls are extremely distressing for those who are targeted, whether they lose money or not.

The impact on health and well-being can often be far greater than the financial loss. People lose confidence and can suffer from increased isolation and become more fearful. This, in turn, leads to deterioration in both mental and physical health, but it's by working together across a wide range of organisations that we're well-placed to influence change. We can help stop scammers inflicting the pain and misery that ruins lives, and that's a strong message from this debate. Feeling safe and secure in your home and community is fundamental for everyone. That's why we made a commitment in 2013 to support the extension of no-cold-caller zones to prevent rogue traders and cold callers from contacting people in their homes. But not all scams are conducted on the doorstep—[Interruption.]