Diolch yn fawr, Mabon, and I'm just going to come on to a point where I think that perhaps the Welsh Government can do a bit more on this sort of area.

Being in debt often feels like a gut-wrenching, endless cycle, and supporting residents out of that cycle, instead of just putting a temporary stop-gap on their worries, must be a priority. Within what the Welsh Government can do, if a system could be put in place for those applying for the tenancy hardship grant to be referred for debt advice, we may go some way to achieve that and could make a real, tangible difference.

Another area where the Welsh Government could do further work is the winter fuel support fund, a scheme announced just as the Conservative UK Chancellor was taking the twin action of cutting support and announcing tax rises. Currently, only people who are on certain means-tested benefits are eligible to apply. This excludes many people who are on low incomes and in fuel poverty. For example, those on the new-style contribution-based employment and support allowance receive the same amount as people on income-based ESA, but they're not eligible to claim from this fund. So, I'd like to ask the Minister if she would look at this and work with other Ministers to see if there are ways to expand the eligibility criteria along the lines of broader groups for the Warm Homes discount, or if there's any way that local authorities could use discretion in making awards from the fund. Now, I do appreciate that this will be placing additional work on the administration of local authority staff, who are working extremely hard to support residents. Their work is invaluable and hugely appreciated, and supporting them also is vital.

The Westminster Government are ignoring the looming crisis by expending all their energy protecting their failing leader. Stalling wages, steep inflation and soaring energy prices can be a toxic combination, which will hit the poorest hardest. Ultimately, at times like this, it's up to our Welsh Labour Government to take action the Conservatives won't. We must use every possible avenue to stop debts building up and support people who are being forced into debt through the very real pressures on the cost of living. Diolch yn fawr.