Can I thank the Minister for his statement today? I largely support the aspirations of what the Minister has said in most of his statement. I certainly agree with the start of his statement today, when he said that small and medium-sized businesses are the backbone of the Welsh economy. I couldn't agree with that more. I suppose the latter part of his statement was perhaps a little negative. I do think there are going to be some real challenges as we leave the European Union, but there'll also be some opportunities, and I would hope that future funding, as I'm sure he would agree with me, would be more tailored and more suited to Wales's needs, and less restricted.

In the spirit of the Minister—. I think what he's saying today is he's looking for suggestions from this Parliament and Assembly Members, so I'll ask my questions in the spirit of—I'll give him suggestions in a questioning way. Under the proposed future delivery model of Business Wales, I wonder what considerations the Welsh Government has given to merging the functions of the Development Bank for Wales and Business Wales in order to maximise the economic impact of both and to make it easier for businesses to access finance. If that was a consideration, also your thoughts on keeping the branding of both organisations, despite them perhaps being one body. I'm just sort of floating a suggestion there, and asking for the Minister's views on that.

The FSB have made some recommendations that,

'When determining value for money across the UK, business support should move beyond...job creation targets towards'

—and I'm quoting the FSB here—

'a broader economic conversation. This could include modernisation, decarbonisation targets, productivity gains, and the social impact on communities.'

I would welcome your views on the FSB's recommendations.

The issues of low awareness of alternative sources of finance is highlighted in Professor Jones-Evans's report, and this chimes with me in terms of dealing with my own casework. I wonder how you will ensure that any proposed future delivery model for Business Wales will do more to raise the brand awareness and communicate the full range of financial sources and options available to businesses.

Some recipients of Business Wales have advised that the quality of advice can vary, and I wonder how any proposed future delivery model for Business Wales can ensure that the advice given is consistent across the country. Other criticisms of the current model are that banks' relationships with Business Wales can be somewhat ad hoc when it comes to referrals or signposting businesses to access Business Wales assistance and support. Therefore, how will any new delivery model, in your view, foster a closer working relationship between Business Wales and its key partners from the financial institutions, and I include in that, of course, the community bank of Wales as well, which has been talked about, and alternative finance providers, to ensure we have a more joined-up approach?