Local authorities, in terms of their own spending decisions, will have to justify those to their local electorate. So, for the examples you gave from Monmouthshire, it would be for the local electorate to explore, or to decide, really, if they're comfortable with the decisions that local authorities are making. But in terms of the overall impact of this decision on local authorities in Wales, of course, the Minister for Housing and Local Government and I will be meeting again with the finance sub-group, as we regularly do, so this will be an item that we can explore with them. And I'd be happy to send you some more information in terms of the guidance that we, through the local government Minister, give to local authorities in terms of borrowing.