Yes, I agree. And I think there's a real problem—we were discussing only in this Chamber, I think the last time I was answering questions, or in one of the statements on housing—around what the local housing allowance does to people in the private rented sector as well. Because, as you know, universal credit is capped at the local housing allowance level, and that's been frozen for four years. So, quite clearly, people are having to top up their rent very substantially from a very small amount of money. And that is driving rent arrears, debt and, pretty much, misery into the sector. And I think that report, off the top of my head, I seem to remember, said that only 2 per cent of available housing for rent in Cardiff was inside the local housing allowance, because it's been frozen for four years now. The Government of the party opposite had said that, if they had stayed in power and not called this general election, they were going to review that next summer. I don't know what 'review it' means, but we obviously hope that they would put it back to where it should be, which is at around a third of the normal market rent for an area. So, the first thing we ought to be doing is saying that we would do that.

Secondly, on the way it's paid, the delays in universal credit, when you come in and out of universal credit, are clearly ruinous for people. I can't remember if I'm on the second or third, but, anyway, the last point I want to make is to agree with you entirely that, obviously, people should be paying the rent they have to pay. And if they pay it weekly, they should be paid it appropriately, and if they pay it monthly, they should be paying it appropriately. I'm very much hoping that, when we get our Renting Homes (Wales) Act, which we passed in this Assembly back in 2016, in force, which I very much hope to do by the end of this Assembly term—as you know, we're working very hard to do that at the moment—that will at least alleviate some of that, because it will give people a better security of tenure as their lease is running.