Thank you, Jenny. Unfortunately, you're absolutely right—it is likely that many people will experience real difficulties in paying rent as the pandemic period continues. Our officials are continuing to work closely with private sector and social sector landlords to monitor the position and to understand where and how further mitigations or interventions might be required and possible. We've put a whole series of things in place to try and mitigate some of the affects of this. We've put £8 million into the tenancy saver loan scheme. In particular, we've put £1.4 million funding, with my colleague Jane Hutt, into the early alert scheme for rent arrears and other debt in the private rented sector. That's delivered by Citizens Advice Cymru, who, with my colleague Hannah Blythyn, work alongside the credit unions to try and make sure that people have access to those kinds of both debt advice and finance. We've worked very hard with the social housing sector to get an early alert system in place where anyone's facing real financial difficulties during the pandemic.

At the moment, we're not having reports from the social rented sector of people experiencing very high levels of rent arrears—you know, worse than usual. You're right to say that we are very alarmed by the UK Conservative Government's freezing of the local housing allowance at last year's rate, at 30 per cent. I'm pleased to see that they have at least kept it at 30 per cent of last year, although, obviously, you'll know that we think it should be at 50 per cent. Clearly, not having a year-on-year increase in that 30 per cent only drives people into the poorest of social housing. It's actually a mechanism for making sure that the people who are on benefits are in the worst housing that commands the least price. So, it's a very regressive thing to do anyway. And what bothers me is whether that's a taste of things to come, in that they'll freeze it at 30 per cent of 2019-20 prices for the next five years, which would be catastrophic for the sector.

And then you rightly said that a lot of these things—the macro-economic levers for these—are not in our hands. So, the biggest issue here is the abysmal way that universal credit treats housing costs and the knock-on effect of that. So, obviously, we've been working hard to try to get the UK Conservative Government to understand the real impact on people of what happens if their housing costs are not covered. Obviously, we want to build a large amount of social housing, and we'll be pledging to do that in our manifesto, and I know other parties in the Senedd will be doing something similar, because the real answer here is to get the most in-need people into the social housing sector. But there is a real issue with a welfare system that does not support people to live in housing that's fit for purpose.

The last thing I want to say on this is that, as the pandemic comes up to the anniversary of the first lockdown, we know that people who owe more than a year's rent never recover. So, once you owe more than a year's rent, it is absolutely impossible to recover from that debt situation. So, across the UK, we will have to look at a pandemic that results in enormous numbers of people having a debt that they simply cannot repay in their lifetime. We will need to look at that, going forward. But, Jenny, I don't have any easy answers to those very difficult questions today, only to assure you that we are looking into every single avenue that we can think of. And, as I always say, we aren't the repository of all good ideas, so anybody who has any good ideas for how we might deal with that, I'd be very grateful to hear from them.