Thank you for that answer, First Minister. Your Government has encouraged local authorities to invest in commercial properties around the country. You've lent them taxpayers' money to do so, and the Development Bank of Wales lends money directly to private companies developing commercial properties. Last financial year, the bank lent £34.1 million of taxpayers' money to property developers, and this year the bank has two funds available to property developers, totalling £97 million. Most of it is in the commercial property fund, and all of the money is provided by the Welsh Government, i.e. the taxpayer. As a result of lockdown, property experts are predicting that commercial property could lose 50 per cent of its value and rent returns will go through the floor as businesses close and downsize offices because more staff are working from home or need rent holidays. Even the Office for Budget Responsibility admits to at least a 14 per cent drop in value over the next year. If the OBR are correct, the Development Bank of Wales could lose £7.7. million in one year if it invests all of its commercial property fund of £55 million. The bank may already have lost £4.7 million on last year's investments. The picture could be just as bad for local authorities. Flintshire County Council, for example, owns 13 business centres and industrial estates. So, how much taxpayers' money invested in commercial property could be lost due to lockdown? How much money have you set aside to bail out councils who lose money because of investments in commercial property reducing? And has the DBW changed its lending criteria towards commercial property developers since the coronavirus came along and changed the way people work and conduct business?