Yes, I think that is the message that should go, and is going out, really: that paper applications are available.

The other thing, of course, with all this—I think we've discussed the bus pass quite a bit—is that it has illustrated how popular the bus pass is and how important it is to older people. I know this issue of the bus pass applications has caused anxiety, and we certainly don't want that to be the case. Last year, we allocated £20,000 of additional funding to the older people's commissioner to support her work to increase pension credit take-up. This was actually done via paper. The commissioner produced a flyer that was sent out to older people in letters reminding them to renew their bus pass. I think it's very important that we take opportunities like that.

I'd like to share another example of how we've reached people who don't use the internet. Welsh Government recently launched a national awareness campaign to improve take-up of vital information and support about council tax entitlements. We work collaboratively with local authorities, the third sector, and MoneySavingExpert.com, the UK's biggest consumer website, to develop simple and consistent advice. We also placed posters in relevant settings, disseminated hard-copy leaflets to local authorities, and included printed slips with debt advice in council tax reminders, final notices and summonses. These models have been successful in reaching people who do not use the internet, and going forward we will learn from these successes.

However, it's very important to note—and I think the points have been made well here today—that there are many barriers to accessing online services, particularly for those on low incomes, older and disabled people. Barriers can include a lack of skills, confidence, access and mobility. I've also spoken with older people who are worried that they will be targeted by online scammers, and I know Suzy mentioned in her contribution about fraud online, and people do trust the postman more than the password, and I think that is a very important point. She also raised the issue of what they're doing in Canada and France, and I think it would be very beneficial for us to have a good look at what is actually happening in other countries on this issue. So, I think that again is something that the strategy for an ageing society could take on board. 

But although we recognise that not everyone is comfortable with the internet, we want to support people to make informed choices about how they participate safely in a world that is increasingly digital. So, we do want to encourage people to use the internet, because we know that the advantages are there, but we must provide for those people who don't want to use the internet or are not able to use the internet. So, we are taking efforts to encourage the use of the internet: Digital Communities Wales's digital heroes initiative has trained over 5,000 young volunteers to help older people in hospitals and care homes get online, and another innovative project is the Vale tablet loan scheme, which is allowing residents across the Vale of Glamorgan to borrow internet-enabled but secure iPads from local libraries almost as easily as they would a book.

For some, being digitally excluded is not a choice but a result of poor broadband coverage, which has also been mentioned here today. We want to make sure that everyone who wants to access the internet can do so. To date, Superfast Cymru has provided more than 733,000 premises across Wales with access to fast fibre broadband. We've also invested more than £200 million to step in when the market has failed to connect 95 per cent of properties in Wales, including many situated in rural areas.

I think the key principle of all this is that we should design public services around the needs of the end user, and typically this will mean a service that works digitally but also meets the needs of end users who are digitally excluded, and that is what the Welsh Government wants to do.

I'd like to end by addressing the proposal that Welsh Government talks to banks, businesses and other organisations to make sure that customers are not isolated if only online services are offered. I want to raise attention to our support for credit unions, which does enable some citizens in Wales to have access to affordable loans and savings, despite the withdrawal of large banks from Welsh high streets. Credit unions do ensure that people are able to discuss their requirements face to face and access products best suited to their needs.

It's also pleasing just to note—I can see that my time is going—that last year, the number of rural post offices in Wales increased from 619 to 636. Of course, local post offices can't replace banks, but they can offer their customers basic face-to-face banking services. Thank you, Deputy Presiding Officer.