Diolch, Heledd. Just in terms of the review, as was part of the discussion between us, there are a number of different types of review going on. I just referenced the two by the flood and coastal erosion committee, for example. So, Professor Elwen Evans KC's review fits into a pattern of other pieces of work that are going on, so just to reassure that it's not intended to be a catch-all, and I know you know that.

She will be writing out to relevant elected representatives asking them for input at an appropriate time in her review. She's got to be allowed to get on with it, it's independent, obviously, although it's been commissioned jointly between us under the co-operation agreement. I anticipate that that will not be very much longer now, and it's up to her how she does that, though the terms of reference are pretty clear that she has to do that. I would be very surprised indeed if the Rhondda area wasn't a part of that, because that's obviously where much of the flooding has just occurred, and this is a review that we want to learn lessons from, not just from the past, but ongoing. I'm sure that there will be other many-times impacted areas of Wales that she'll want to discuss with elected representatives there. So, I anticipate that happening shortly. I don't have the actual date on me—well, I don't know the actual date, it's up to her, but that was something that she certainly discussed with myself and the designated Member for this purpose, so I'm sure that that's on its way.

What we want to do is learn lessons from those sets of reviews about how things are working on the ground and what improvements there will need to be. We know that there will need to be improvements, we wouldn't be asking for the reviews if we thought everything was tremendous. So, we will be wanting to look at those, digest them and then come forward with a set of improvements. One of the things that we are looking at is this whole flood awareness issue, so, again, I want to pay tribute to the people who've been out in all weathers across Wales from every single responder service, including NRW. I think we forget a little bit that the hard resource that we see in the river, the intervention, requires those people to be out making sure that it works. So, I do want to just make sure that we acknowledge the difficulty of their working conditions.

But also, it's just heartbreaking to have your house flooded, never mind if it's happening twice in three days. We absolutely know that, and that's why we've got this big investment programme, and, again, we've got an agreement in the co-operation agreement to put the coastal risk programme up—sorry, I've suddenly got a frog in my throat, excuse me—and that's very welcome. What is very good to see is that, in the response coming back from the local authorities this time, the properties the had been protected were protected. So, it's not like it didn't work, it's just that it's getting worse, so more properties keep getting into the flooding area. But the ones that were at risk last time and had the flood defences put in were protected, so that's something to be grateful for, although, as we see, climate change is accelerating, so we need to expand the programme.

I don't have any problem at all with the suggestion about looking at flood action groups, only to say that we are just waiting on the review outcomes so that we can go through them, and I'm sure that that will be one of the things that we consider. The skills gap is also something we've been considering, as is the insurance. Vaughan Gething and I met to discuss the issues around insurance, particularly commercial insurance, very recently. I think it might have been yesterday, but my time sense is terrible, it might have been the day before—well, it wouldn't have been the day before, would it, so it was probably Monday or Friday, anyway. We will be approaching the UK Government about putting in place a similar scheme for businesses, although it's more complicated for commercial properties. I don't know why I'm suddenly coughing. [Interruption.] So, I share your concern and want to reassure you that we are doing what you've asked. Sorry.