The rich are getting richer; the poorer are getting poorer. People will be struggling to pay their mortgages on top of rising energy costs. Public services are on their knees following 10 years of austerity. Forty-five billion pounds of tax cuts could have paid for a 19 or 20 per cent increase in public sector workers, including carers, and universal credit is the impact of that as well. So, I hear that people who work part-time will have to work more hours in order to receive universal credit, which will have an impact on parents, childcare and on people with disabilities. Minister, do you agree with me—. And women, again. Minister, do you agree with me that it will be the ordinary people of Wales who will be paying for this for years to come, rather than the bankers who will be filling their pockets, and the wealthy?