A gaf fi ddiolch i'r Aelod o'r Cabinet am ei ateb? Efallai y gwyddoch ei bod yn Fis Ymwybyddiaeth Straen cenedlaethol y mis hwn, ac yn ôl y Debt Support Trust, o'r rheini sydd â dyledion difrifol, mae oddeutu hanner y bobl yn y sefyllfa honno yn dioddef o anawsterau iechyd meddwl ac yn ystyried hunanladdiad. Mae'n straen aruthrol ar bobl. Yn 2017, rhoddodd canolfannau cyngor ar bopeth gymorth i 28,500 o bobl â phroblemau dyled ledled Cymru, ac roedd llawer o'r problemau hynny yn ymwneud â chardiau a dyledion benthyciadau. Felly, credaf ei bod yn bwysig ein bod yn edrych ar faint y gallwn ei roi i'r maes cyngor a chymorth. Gwn fod £4.4 miliwn wedi'i nodi yn y Cynulliad diwethaf ar gyfer gwasanaethau rheng flaen, a chan mai ni bellach fydd yn bennaf gyfrifol am gyngor ar ddyledion yn y dyfodol agos, rwy'n gobeithio y bydd hyn yn flaenoriaeth uchel yn ystyriaethau'r Gweinidog.

Can I thank the Cabinet member for that answer? You may know that it's national Stress Awareness Month, and according to the Debt Support Trust, of those in serious debt, around half of the people in that situation have mental health difficulties and contemplate suicide. It's a terrible, terrible strain on people. In 2017, citizens advice bureaux across Wales helped 28,500 people with debt problems, and many of those were cards and loan debts. So, I think it's really important that we look at how much we can bring into this area of advice and support. I know, in the last Assembly, £4.4 million was identified for front-line services, and now we're getting the primary responsibility for debt advice in the near future, I do hope this will be a high priority in the Minister's considerations.

Diolch. Mae angen i awdurdodau cynllunio lleol feddu ar ddealltwriaeth glir o'r ffactorau sy'n dylanwadu ar ofynion tai yn eu hardal. Dylai eu hasesiad diweddaraf o'r farchnad dai leol ffurfio rhan allweddol o'u sylfaen dystiolaeth ar gyfer cynlluniau datblygu lleol a chynnwys y farchnad dai gyfan drwy ystyried yr angen am dai'r farchnad agored a thai fforddiadwy.

Diolch. Local planning authorities need to have a clear understanding of the factors influencing housing requirements in their area. Their latest local housing market assessment should form a key piece of their local development plans evidence base and cover the whole housing market by considering the requirement for both market and affordable housing.

Dyna'n union sydd wedi digwydd dros y ffin, ac ni fyddem yn dymuno gweld busnesau yn gwastraffu adnoddau gwerthfawr ar osod rhwystrau ffisegol, canllawiau ac arwyddion na fyddant yn eu lle am gyfnod maith o amser. Wrth gwrs, mae'r rheoliadau dan adolygiad parhaus yng Nghymru, ond mae'n gwbl glir bod 2m o ymbellhau cymdeithasol yn amddiffyniad gwell nag 1m, ac felly, lle bynnag y bo modd gwneud hynny, dylid cadw at 2m. Nawr, wrth gwrs, rydym eisoes wedi gwneud y datganiad ynghylch trafnidiaeth gyhoeddus ac fe fyddwn i'n dweud bod ein dull pwyllog ni o weithredu wedi cael ei gefnogi gan gyllid i alluogi busnesau i fynd drwy effeithiau gwaethaf coronafeirws. Mae hyn yn cynnwys y gronfa cadernid economaidd, sy'n werth £0.5 biliwn. Pe bai wedi bod yn gynllun i'r DU gyfan a'i weithredu gan Lywodraeth y DU, byddai wedi bod yn rhaid iddi fod yn gronfa o £10 biliwn i weithio yn yr un ffordd â'r Gronfa Cadernid Economaidd.

And that's precisely what happened across the border, and we would not wish to see businesses waste valuable resources on installing physical barriers, guides and signs that are not necessarily going to be in place for a significant period of time. The regulations are, of course, continuously under review in Wales, but it is absolutely clear that 2m of social distancing provides for better protection that 1m, and so, wherever possible, 2m must be adhered to. Now, of course, we've already made the statement concerning public transport and I'd say that our cautious approach has been supported by funding to enable businesses to get through the worst of coronavirus, including the economic resilience fund, valued at £0.5 billion. If that had been a UK-wide scheme operated by the UK Government, it would have to have been a £10 billion fund to operate in the same way as the ERF.