Diolch, Minister. Taxes on properties purchased in Wales are some of the highest levied in the United Kingdom. The average house in the town of Brecon within my constituency is £261,000. Based on this price, a first-time buyer, who has struggled to even get the deposit, will be paying a tax to the Welsh Government of £3,000. This compares to a figure of £2,050 in Scotland, nothing in Northern Ireland and nothing in England. Minister, can you explain why your taxation policy here is making it harder for those young people in Wales to own their own homes? And in your role as finance Minister, will you at least commit to ring-fencing some of that money collected from land transaction tax to be used to build affordable homes in Wales to assist the housing crisis?