And can I ask for two statements or debates—one of them on that topic, actually, of debt advice and the very positive and crucial role played by debt advisers in many organisations—CABx, StepChange Debt Charity, Christians Against Poverty and many others? Last week, at an event organised by Hefin David, StepChange's 'Wales in the Red' report showed that, in Wales, single parents are significantly over-represented amongst their clients; that the biggest cause of going into debt in Wales is income shocks, and we often find families who are just one event away from being cast into debt; over half of new clients in Wales are behind on at least one household bill after receiving debt advice, after receiving counselling—that's how critical the financial pressures are; and, based on general polling, there's an estimate now that around 8 per cent of adults living in Wales are facing severe debt problems, compared to around 6 per cent of the UK adult population—that's around 193,000 people in Wales in severe problem debt. 

On the plus side, it would allow us to debate the fact that short-term, high-cost credit as a proportion of clients in Wales with those short-term, high-cost debt loans has substantially fallen over the last five years, from 17 per cent of clients in 2014 to just one in 10now. And that, I have to say, is not least in thanks to regulatory interventions by the Financial Conduct Authority and the withdrawal of some of these rip-off high-cost credit firms—these sharks—from the market, both of which have been subject to major campaigns supported by Labour and other colleagues in Westminster and here. So, a debate would allow us to further explore what more we could do in Wales by further supporting those debt advice organisations and also supporting responsible lending through organisations like credit unions within Wales.

Could we also have a statement or a debate on the Wales union learning fund, described by the president of the Wales TUC, Ruth Brady, last week as a shining example of union partnership with Welsh Government? It was a moving birthday celebration under the banner '20 years, 20 stories' in the Pierhead, which I was pleased to attend. People have seen their lives transformed—like Mark Church, who spoke eloquently at the event. In his forties, he decided to seek help for problems with reading. He took a WULF-funded essential skills course, which he described as being like being let out of a cage, and he spoke about how the experience left him with greater confidence and a host of new skills, which he uses at the office and at home, including helping his daughter with her homework for the first time. For those people who criticise the union learning fund at a UK level, but also here in Wales, they should see the evidence before them of how it's transformed people's lives. So, it would be great to have a statement or an opportunity to debate the way in which that has made a transformative impact on people's lives.