Diolch, Mabon. I won't repeat what I said to Janet Finch-Saunders in terms of the timing of this. It's obviously very frustrating, and we all have in mind the tragedy of Grenfell and the fight of the people who survived that for justice, of course, but the truth is that this is an incredibly complex area of law, and it's been at the very top of my agenda the entire time I've been housing Minister. I certainly don't need to have it put there by anyone else.

It's been a real matter of concern to us to get this right, to not be announcing schemes that don't work, which has happened across the border on a number of occasions, and that don't solve the problem. And also, we've been working very hard on lobbying UK Government to put a number of things in place that only the UK Government can do. So, as part of my statement today, for example, I'm talking about the extension of the limitation period for contractual action for those who are able to take advantage of that, and I'm very glad to see that, although that certainly will not solve the problem for all of the buildings that we have, especially those built with a special purpose vehicle model attached to them. 

As I said to Janet Finch-Saunders, we've been working very hard on making sure we have a scheme that allows us to look holistically at each building, that allows us to understand exactly what its problems are and what it would take to put it right. And then also, frankly, to understand what the need for the contractors with the skills to do that is, and not have everybody trying to get them all at once, just skewing the market and driving the price up. So, we're stepping in. It's a responsibility that isn't really ours, but actually I feel very strongly that we'll be able to help the leaseholders to navigate the construction remediation phase of that, because otherwise there is a whole host of problems that can immediately be seen by all of us. So, although I understand entirely the frustration of the leaseholders, I think we're in a good place going forward for that, and I look forward to the analysis of the building passports coming forward. 

In terms of the buy-out scheme, or the leaseholder support scheme, I don't entirely know the answer to all of your questions, Mabon. What we want to do is we want to see, in honesty, how many people have attempted to sell their house on the open market and have failed to do so because it puts them into negative equity or because the terms on which they're able to do so are too punitive for them to be able to countenance that. I want to be able to see what we can do to help people who are going into mortgage arrears, for example, or have other severe financial difficulties because they've managed to pay their mortgage but, as a result, they have other financial difficulty. I'm prepared to look at people who are clearly in overcrowded situations as a result of having had to stay, perhaps, in a premises that was intended as a starter home and now they're a larger family. There are a number of areas of hardship that we're prepared to look at. 

We are looking at valuations that will be done by the valuation office, in the same way as we do for compulsory purchase valuation. But, of course, this isn't compulsory. If the person involved doesn't like the valuation that we're able to offer, it's not mandatory in any way for them to take part in the scheme. This is an offer from the Government for those people who wish to take advantage of it. If a person doesn't wish to take advantage of it, that's entirely a matter for them. I was very keen to ensure that, for those people who wanted to stay in their home but just found it to be financially impossible given where they are with valuations and so on, they could do so, and if not, that they were able to start again elsewhere. 

The new scheme will be up and running for the new financial year. That's when the budget will be available, but it will take us the few months in between that to sort out the application process and to start to process people who want to be part of that. This isn't the sort of thing that you can just announce today and start tomorrow; we've got to work alongside our stakeholders to get that in place. But I also was very keen to announce it before Christmas, because I think people who are feeling desperate need to know that that relief is coming and start to look forward to being able to take advantage of it. I think I would be disingenuous, Llywydd, if I said that I had all of the answers to the questions that Mabon asked, but I am looking forward to working with the leaseholders themselves to work out what the optimal scheme would be to get to the most people who need the help.