I'm absolutely more than happy to join the Member in congratulating the work of Newport Credit Union in all they do, and as I said in my initial answer to Dawn Bowden, credit unions offer a much fairer, more ethical alternative to what are often very exploitative high-cost lenders who take advantage of people in communities right across Wales.

In terms of the services that Newport Credit Union offer, they offer excellent services, as do many other credit unions throughout Wales. I think one of the things the Welsh Government is 100 per cent committed to continuing to support is the excellent work that credit unions do. I think we need to be aware, actually, there is huge diversity amongst the 18 credit unions right across Wales, with the largest credit union in Wales being 42 times the size of the smallest, and some credit unions are, like some in my own consistency, entirely volunteer-run and focus on the provision of traditional savings, whereas, perhaps, larger credit unions are able to offer a much wider range of services. And, of course, we're happy to continue to work with credit unions across the country to see how they can build on the work that they do.