That's a fair question, and, look, what we're looking at is, we're looking at something that would be a proper investment proposal on a commercial basis. So, it's not as if we're looking to provide preferential lines of credit; it's about finding a partner who can provide a proper detailed commercial investment proposal, provide a return on an investment that the Welsh Government would make. And so, there would be proper due diligence about that, and this wouldn't be, sort of, preferential, 'We're looking after one institution.' And, actually, there was an open call, and Banc Cambria themselves did go out and look for a range of institutions to work with and talk to. Monmouthshire Building Society wanted to do this, were prepared to do this, and recognised it requires the organisation to be committed in a way that some institutions didn't want to be. Now, that's entirely fair. It's for each institution to decide how it wants to manage itself and direct its own energies. I'm really pleased to have Monmouthshire as a trusted partner, working with us now.

And I should say that we really have taken on board the recommendations from the former EIS committee that the Member chaired—I'd probably agree with a great deal more things he said as committee Chair than in his current role. But, no, we really have taken seriously what the committee said, and it's been really useful for us to be able to work from a basis where we know there's cross-party support and we can look to deliver something that should make a difference, where everyone can recognise we're doing something to address a real need. Regardless of how people vote, there's a real need across Wales for us to do something to plug this gap in local banking services.