Minister, according to evidence submitted to the Equality and Social Justice Committee, there are some challenges to be addressed. Karen Davies from Purple Shoots, a Responsible Finance provider, said that awareness of the fund is low and is not well promoted, and Shelter Cymru note that it has seen a significant number of applications to the discretionary assistance fund rejected, many due to a cap on the number of applications people can make. Does the Minister accept that these matters need to be addressed if people are to benefit from the scheme? Thank you.