I really welcome this debate here this evening. Debt is a terrible thing. It is something you have on your mind all of the time; it weighs you down; it makes you feel you can't find a way out; it makes you shout at your children; it makes you feel unwell. I'm really interested in what would help and we've heard some possible solutions through the debt report that was issued by the Equality and Social Justice Committee. 

Some may see some of those ideas as socialist utopian ideas—the words of the Conservatives—but I implore you all to look into them, because none of us wants to see people in debt and none of us wants to see people weighed down and having mental health issues because of that.

The debt bonfire idea that Sioned mentioned is one that we have pushed forward, and I'm really pleased to see it included in the report. Let me explain a little bit about it. When debt reaches a debt auction, the organisation that has put the person into debt has already accepted that it is unlikely to recoup to total value of the debt owed. Whilst the company then forgets about the debt, individuals and families battle on with the weight of debt around their neck. We want to see the Welsh Government think seriously about this idea, and to see moneys put forward to set aside the debt, a fraction of what is owed. But, my goodness, the effect that that would have on those individuals and those families that are in debt—