Rwy'n siŵr y bydd Ysgrifennydd y Cabinet yn derbyn na allwch chi fenthyca symiau diderfyn yn dragwyddol, ac, felly, mae'n rhaid penderfynu, weithiau, pryd y mae'n rhaid rhoi'r gorau iddi. Mae cyfraddau llog wedi bod ar eu hisaf erioed. Maent eisoes ar gynnydd yn yr Unol Daleithiau; efallai y byddant ar gynnydd yn y wlad hon yn fuan. Sut ydym ni wedyn yn talu'r biliau ar adeg pan nad ydym ni wedi trwsio'r to, pan fydd yr haul yn peidio â disgleirio a'r glaw yn arllwys?

I'm sure the Cabinet Secretary will accept that you can't borrow in unlimited sums indefinitely, and, therefore, a judgment has to be made, sometimes, as to when the rake's progress has to stop. Interest rates have been at historic lows. They're already on the rise in the United States; they may well shortly be on the rise in this country. How do we then pay the bills at a time when we haven't repaired the roof, when the sun ceases to shine and the rain pours?

Felly, rwy'n ceisio cofio pryd cawsom ni ddatganiad - rwy'n credu mai datganiad ysgrifenedig ydoedd - ar barthau 20 m.y.a. gan y Dirprwy Weinidog Newid Hinsawdd, ond nid wyf i'n credu bod hynny'n rhy bell yn ôl. Felly, nid wyf i'n ymwybodol o unrhyw ganllawiau na rheoliadau eraill sydd wedi dod i rym o ran y parthau 20 m.y.a. ond, os oes, byddaf yn gofyn i'r Dirprwy Weinidog wneud datganiad ysgrifenedig.

So, I'm trying to remember when we had a statement - I think it was a written statement - on 20 mph zones from the Deputy Minister for Climate Change, but I don't think that was too long ago. So, I'm not aware of any further guidance or regulations that have come into force in relation to the 20 mph zones, but, if there are, I will ask the Deputy Minister to do a written statement.

Rwyf wedi gofyn i bob awdurdod baratoi cynllun tywydd oer ar gyfer digartrefedd a chysgu ar y stryd er mwyn sicrhau bod cyfleusterau ar gael ar adegau penodol yn ystod cyfnod y gaeaf. Buaswn hefyd yn gofyn i'r Aelod ystyried safbwynt ei phlaid ar ble rydym yn awr: ar fin cyflwyno diwedd ar yr hawl i brynu, sy'n diogelu stoc tai cymdeithasol yng Nghymru. Felly, byddai'n dda iawn pe gallai'r Aelod ystyried cefnogi'r Bil hwnnw yn hytrach na gwrthwynebu gyda'i ffrindiau Ceidwadol.

I've asked all authorities to prepare a cold weather plan for homelessness and rough sleeping to ensure that there are facilities available for trigger points within the winter period. I would also ask the Member to also consider her party's position on where we are now: about to introduce the ending of the right to buy, which protects social housing stock in Wales. Therefore, it would be really good if the Member could consider supporting that Bill as opposed to objecting with her Conservative friends.

Rydych yn iawn; cyhoeddais ganllawiau polisi ar 15 Mehefin gan fod hynny'n cyd-daro â Diwrnod Aer Glân. Felly, dyna oedd y rheswm dros wneud hynny, ac roeddwn yn awyddus, fel y dywedais, i sicrhau bod eu cyfundrefnau rheoli yn cydymffurfio. Byddaf yn ysgrifennu atynt eto yr wythnos nesaf, felly yn benodol yn achos Abertawe, gallaf ofyn y pwyntiau penodol hynny.

You're right; I did issue policy guidance on 15 June because that coincided with Clean Air Day. So, that was the reason for doing that, and I wanted, as I say, to bring their management regimes into line. I will be writing to them again next week, so specifically in Swansea's case, I can ask those specific points.