Thank you, First Minister. In terms of borrowing powers, I wanted to ask for your reflections on the Institute of Welsh Affairs's latest publication, 'Fiscal Firepower: Effective Policy-Making in Wales', which calls for reform of the Welsh Government's borrowing powers. In addition, in view of the Prime Minister's well publicised refusal to engage with you as First Minister of Wales, and the revolving-door policy seemingly in place at the Treasury, how is your administration trying to engage with the UK Government to ensure that we have the financial powers that we need to fund the public services on which we all rely?