I'm sure the Minister will have read the damning article in BusinessLive on 2 February, which highlighted the fact that the Welsh Government failed to use its full borrowing powers in 2019-20 and 2020-21. Can the Minister explain why the Welsh Government underused the current borrowing powers, particularly given the problems that we are facing as a result of the pandemic? Why did the Government decide not to take the opportunity to fund capital projects that could have had a positive impact on the Welsh economy?