Thank you for that answer, Minister. I've heard accounts from many of my constituents really struggling to get insurance in subsequent years after flooding events. Some of these properties have not even been flooded, but they fall within the postcode area, and therefore are classed as high flood risk. These people have significantly less choice of insurance providers, often paying a lot higher for premiums, as there are few options for them to shop around. Those people are very fearful of even making very small insurance claims, for fear of actually losing their insurance altogether. So, what support can the Welsh Government give to these residents who are facing this impossible situation? Diolch, Llywydd.

Diolch am yr ateb hwnnw, Weinidog. Rwyf wedi clywed gan lawer o fy etholwyr eu bod yn ei chael hi'n anodd iawn cael yswiriant yn y blynyddoedd dilynol ar ôl llifogydd. Nid yw peth o'r eiddo wedi dioddef llifogydd hyd yn oed, ond daw o fewn ardal y cod post, ac felly caiff ei ystyried yn eiddo lle mae'r risg o lifogydd yn uchel. Mae gan y bobl hyn lawer llai o ddewis o ddarparwyr yswiriant, ac maent yn aml yn talu premiymau llawer uwch, gan mai prin yw'r opsiynau sydd ar gael iddynt siopa o gwmpas. Mae'r bobl hynny'n ofni hawlio am symiau yswiriant bach iawn hyd yn oed, rhag ofn y byddant yn colli eu hyswiriant yn gyfan gwbl. Felly, pa gymorth y gall Llywodraeth Cymru ei roi i'r trigolion hyn sy'n wynebu'r sefyllfa amhosibl hon? Diolch, Lywydd.

We all are aware of the really sad circumstances, which are still affecting Government business, and I know the Member has, as have all Members, been very understanding as we've tried to cope with those. Obviously, there are opportunities to question the new Cabinet Secretary for Local Government and Public Services, who remains in charge of the Valleys brief. I understand the Member's point, but I think there will be opportunities in questions and at other times, and, in fact, during the budget debate, to answer any of the concerns. Of course, the Member can always put those concerns in writing if he continues to have them.

Yr ydym ni i gyd yn ymwybodol o'r amgylchiadau trist iawn, sy'n dal i effeithio ar fusnes y Llywodraeth, a gwn fod yr Aelod, fel y mae'r holl Aelodau, yn llawn cydymdeimlad wrth i ni geisio ymdopi â hynny. Yn amlwg, mae cyfleoedd i holi'r Ysgrifennydd Cabinet newydd dros Lywodraeth Leol a Gwasanaethau Cyhoeddus, sy'n parhau i fod yn gyfrifol am frîff y Cymoedd. Rwy'n deall pwynt yr Aelod, ond credaf y bydd cyfleoedd yn y cwestiynau ac ar adegau eraill, ac, mewn gwirionedd, yn ystod y ddadl ar y gyllideb, i ymateb i unrhyw un o'r pryderon. Wrth gwrs, gall yr Aelod bob amser gyflwyno'r pryderon hynny yn ysgrifenedig os yw'n dal i bryderu.

First Minister, whilst Mark Isherwood and I might not see eye to eye on many political issues, we have worked closely together on the question of medicinal cannabis with the MS Society. So, I wonder whether I can ask whether an assessment has been undertaken of how many children in Wales have severe epilepsy but could also benefit from the availability of cannabis oil like Billy Caldwell. And will you also see that preparations are made to ensure that the NHS in Wales is prepared to meet the demand for medicinal cannabis and prepared to prescribe it to patients if and when restrictions are relaxed by the UK Government?

Prif Weinidog, er efallai nad yw Mark Isherwood a minnau yn cydweld ar lawer o faterion gwleidyddol, rydym ni wedi gweithio'n agos gyda'n gilydd ar y cwestiwn o ganabis meddyginiaethol gyda'r Gymdeithas MS. Felly, tybed a gaf i ofyn a oes asesiad wedi ei gynnal o faint o blant yng Nghymru sydd ag epilepsi difrifol, ond a allai elwa hefyd ar gael olew canabis ar gael fel Billy Caldwell. Ac a wnewch chi hefyd sicrhau bod paratoadau yn cael eu gwneud i sicrhau bod y GIG yng Nghymru yn fodlon ymateb i'r galw am ganabis meddyginiaethol ac yn fodlon ei ragnodi i gleifion os a phryd y bydd cyfyngiadau yn cael eu llacio gan Lywodraeth y DU?

I'm very pleased to hear your strong words on the awfulness, really, of what the UK Government is trying to do to 18 to 21-year-olds, and it's something that, as you know, lots of organisations supporting young people are absolutely up in arms about and are campaigning against. I welcome what you've said about talking to your officials, but will you, working across Government, make the most forceful possible representations to the UK Government to tell them that they've made a mistake on this, that it will lead to homelessness for young people, and ask them to think again?

Rwy'n falch iawn o glywed eich geiriau cryfion ynglŷn â pha mor ofnadwy, mewn gwirionedd, yw'r hyn y mae Llywodraeth y DU yn ceisio'i wneud i bobl rhwng 18 a 21 oed, ac fel y gwyddoch, mae llawer o sefydliadau sy'n cefnogi pobl ifanc yn gandryll ac yn ymgyrchu yn erbyn hyn. Croesawaf yr hyn a ddywedoch ynglŷn â siarad â'ch swyddogion, ond a wnewch chi, gan weithio ar draws y Llywodraeth, gyflwyno sylwadau mor rymus â phosibl i Lywodraeth y DU i ddweud wrthynt eu bod wedi gwneud camgymeriad yn hyn o beth, ac y bydd hyn yn arwain at ddigartrefedd ymhlith pobl ifanc, a gofyn iddynt ailfeddwl?

First Minister, I'm surprised that you can't even tell me that you've written a few letters about this, given the concerns. Perhaps today's question will push you into some kind of action. This proposed takeover raises serious questions about the future of our natural resources. Those resources should be benefiting the people in this country, but they are being bought and sold as we speak. Has the First Minister considered what impact this takeover bid could have on the water industry in Wales, bearing in mind that the competitive model being pushed in England has been rejected here? And will you join me in making an absolutely clear statement today that Welsh water services should be run from Wales, and not from Coventry for a bunch of multinational shareholders?

Brif Weinidog, rwy'n synnu na allwch chi hyd yn oed ddweud wrthyf eich bod wedi ysgrifennu llythyr neu ddau am hyn, o ystyried y pryderon. Efallai y bydd cwestiwn heddiw yn eich gwthio i weithredu mewn rhyw ffordd. Mae'r achos arfaethedig hwn o gymryd cwmni drosodd yn codi cwestiynau difrifol am ddyfodol ein hadnoddau naturiol. Dylai'r adnoddau hynny fod o fudd i'r bobl yn y wlad hon, ond maen nhw'n cael eu prynu a'u gwerthu wrth i ni siarad. A yw'r Prif Weinidog wedi ystyried pa effaith y gallai'r cais hwn i gymryd cwmni drosodd ei chael ar y diwydiant dŵr yng Nghymru, o gofio bod y model cystadleuol sy'n cael ei wthio yn Lloegr wedi ei wrthod yma? Ac a wnewch chi ymuno â mi i wneud datganiad cwbl eglur heddiw y dylai gwasanaethau dŵr Cymru gael eu rhedeg o Gymru, ac nid o Coventry ar ran criw o gyfranddalwyr amlwladol?