Online gambling has been talked about, along with pay-day lenders and consumerism, but just to give you some facts: in Wales, 1.2 million people have used a store or credit card to purchase items because they have insufficient funds. In 2012, a staggering 93,000 or 4% of the Welsh population had used a pay-day loan company, of which over 10,000 of these were young people. In 2008, YouGov found that 70% of 18 to 20-year-olds were in debt. There are a number of young businesspeople who want to set up their own businesses, and, let us be honest, if we want to get Wales going and growing, we need to encourage young businesspeople, but quite often, when a bank says to a young person, 'Go away and come back with a business plan', they do not have a clue. We live in a society that is changing in terms of high-demand consumerism, and it is not really down any time now to how much money you earn; it is more about how you manage to handle that money that you are given.
I really support this Bill, and I would really just like to add that I have been quite surprised to see the negativity that has come from the Minister. I hope that that does not cascade through your Members. I really would like to see this Bill go to committee. The Member and I have had online discussions about this, on Twitter and Facebook, and it has attracted, from across Wales, a lot of interest and a lot of support. I would ask that you remain open-minded and, as a younger Member of the Assembly brings through a Bill like this, I think that we should all get behind it.
My question to the Member is this: we have heard today about our Youth Assembly. It would be really good if this was almost like a project or some way in which you could really make them feel included, so that we get their perspective on bringing forward a Bill that will ultimately help and support the younger people coming forward in Wales. Thank you.