Can I first of all say 'thank you' for your statement, Minister? You've referenced the Economy, Infrastructure and Skills Committee, as has Mark Isherwood, extensively, but I was privileged to chair that committee, and I think it's fantastic that, on a cross-party basis, we very much supported the work of Banc Cambria and made a series of recommendations, which I hope helped to move issues forward.

With public funding, Minister, can I ask how you and how the Welsh Government are going to ensure that there's a level playing field for all, and particularly for perhaps building societies that are not involved in Banc Cambria?