Well, Hefin David, I'm really sorry to hear of the impact that river erosion is having on your constituents. I understand that Natural Resources Wales has met with you and the affected residents, and you've just outlined the advice. Unfortunately, you are absolutely right; the riparian landowner is responsible. The riparian landowner is somebody whose property contains the watercourse or whose property is adjacent to or above the watercourse. That's been an established common law principle in England and Wales for over 200 years, so this isn't new law by any means. There is a guide published by Natural Resources Wales, titled 'A guide to your rights and responsibilities of riverside ownership in Wales'. We do invest money in alleviation of flood risk from rivers, but flood risk to properties—you're right—and not to gardens. So, you're quite right. I'm quite happy to meet with you to go through it, but I fear that you're correct in your assumption. Your constituents will have to take advice on whether their insurances or their lenders can help them. Otherwise, I really am afraid that we're at a bit of a loss as to how to help them, but I'm more than happy to meet with you and explore whether there is something that could be done.