Can I thank the Minister for his answer just now? It was very comprehensive and it's what I think I and many other Members need in terms of answering queries from constituents. And can I thank Helen Mary Jones for putting in the question that she has done? I also think it's very disappointing that there are people being abusive to Business Wales staff. I understand people's frustrations, but they shouldn't be taken out, of course, on the people trying to help them. 

From my perspective, there has been quite a bit of confusion, Minister, from businesses and amongst local authorities. And I'm aware, in some instances, local authorities have received various guidance—sometimes on the same day, on the same issue—so I think there are some lessons to be learnt for next phases. And I'm aware that some local authorities have taken different application processes in very different ways, so I think there are some real lessons to learn in that regard going forward. 

I noticed, Minister, Cardiff University has estimated that the Welsh Government has £1 billion left to be allocated from funds to fight COVID-19, and they've looked at the £4.4 billion from the UK Government, and the amount reallocated from existing Welsh Government budgets. Can you confirm that that is the case in your opinion, or do you believe that Cardiff University have got this incorrect? And if it is, why is the Welsh Government perhaps not committing this money now to support businesses now, rather than leaving it back for a later date? The UK Government has also, of course, given the certainty by guaranteeing at least £1.1 billion via consequentials before the end of this year. If that's not enough, and I know that the supplementary budget is coming up, what more can be reallocated from existing budgets to ensure that businesses get the support that they need now, before the winter, rather than giving it to them when it's too late? And briefly and finally, given that there is ring-fenced funding for tourism and hospitality businesses, concern is being raised that, if a business in receipt of the NDR grant, they are precluded from applying for the discretionary grant. So, if you didn't address that in the earlier question—I was drastically making notes—can you perhaps address that point as well?