Diolch, Llywydd. Before I go into my question, I'm sure, Llywydd, you'd like to join me in welcoming members of the Canadian Parliament who've joined us today through the Commonwealth Parliamentary Association, and have the pleasure of observing our proceedings this afternoon. I'm sure they'll enjoy it as much as we do.

Good afternoon, Minister. You touched, in response to one of your questions earlier, on the provisional local government settlement, and, indeed, the 7.9 per cent increase to local authorities has been broadly welcomed by those authorities, but there are concerns a number of leaders have expressed. The Labour leader of the Welsh Local Government Association, Andrew Morgan, who, I'm sure, you know well, has said there are some tough decisions ahead for councils. The Plaid Cymru leader of Isle of Anglesey County Council, Llinos Medi, says hard cuts to local services are ahead, as a result of this settlement. Lib Dem-run Powys County Council are looking to close rural schools, and Labour-run Monmouthshire County Council consulted on cuts to leisure centre hours as well. All of this whilst our council tax payers are likely to face a further hike in their taxes. So, in light of this, Minister, like the comments from those council leaders, and as a result of your funding decisions, what further difficult decisions do you think our local councils will have to make? And what services do you think our residents will have to face being cut?