Well, First Minister, you're right, and I'm seeing it day by day in Ogmore—and I'm sure every Member here is, regardless of party affiliation—because families in Ogmore are now facing multiple whammies. It's a cost-of-living crisis done by Conservative UK Government policies. The cut to universal credit has impacted tens of thousands of families right across Wales. The introduction of the Way2Work programme, slashing the time people have to find a job in their area of skill and experience from three months to just four weeks, means that now people are going to be facing sanctions before financial support is in place. And it doesn't end there. Households are facing the wide-ranging, mounting pressures we all know about: the weekly shop is rising, the energy costs are increasing, and we've got more tax rises coming down the tunnel from this Conservative UK Government. This is going to make things worse. The choice between heating and eating is not rhetoric; it is now reality. Do you agree with me, First Minister, that the Chancellor's buy now, pay later—as it has been described by the chief executive of Citizens Advice—energy bills rebate is loading the burden onto those who can least afford it?