Can I just start off by saying I agree with everything Heledd Fychan has just said? And, unfortunately, I hope I don't repeat any of it during what I say here.

I think it really is important that we think about people who are in debt. They're in debt because they're poor. Can I reply to Mark Isherwood? Debt is not caused by irresponsible expenditure, it's not caused by a lack of financial literacy; it is caused by a lack of money. It's caused by bills coming in and the inability to pay them. And, the biggest problem that can face anybody is an unexpected death in the family where all members of the family have to get together and they have to collect money, borrow money in whatever way they can, in order to have a basic funeral. [Interruption.]