It is interesting that the clawback in Scotland is going to be greater than anywhere else in the UK. The scale of return in Scotland is likely to be 28 per cent; in Wales, it is 9 per cent; in England, it is 6 per cent; and, in Northern Ireland, it is 2 per cent. I tell Kate Forbes as gently as possible that I used to oversee European Union structural funds, so I know how the claims work, and I know the life-changing impact that the money can have. I do not buy her excuses for one second, because it comes down to the financial incompetence of the SNP Government, at a time when people are crying out for help during a cost of living crisis and when our public services are stripped to the bone. [Interruption.]