The UK Government made a statement about the future of Help to Buy at least in England last autumn, and I think the lack of certainty is becoming more and more difficult for house builders in terms of their planning, whichever way the decision goes. I wonder, as the Welsh Government funds this scheme, whether it expects to make a profit on the eventual resale of houses, or whether it's concerned that first-time buyers may be putting themselves at risk of negative equity through paying so much more for new homes.