Llywydd, bydd y newidiadau treth heb eu hariannu yn y datganiad cyllidol yn ehangu anghydraddoldeb ar draws y Deyrnas Unedig. Bydd yr effaith fwyaf niweidiol ar ardaloedd fel Blaenau Gwent, sydd eisoes yn wynebu heriau economaidd.

Llywydd, the unfunded tax changes in the fiscal statement will widen inequality across the United Kingdom. Areas such as Blaenau Gwent, which already face economic challenges, will be the most adversely affected.

Ni chredaf y gellir cael un ateb sy'n addas i bawb. Ceir enghreifftiau da iawn ledled Prydain ac ar draws y byd o awdurdodau lleol bach a mawr sy'n gweithio'n effeithiol iawn. Mae a wnelo hyn â harneisio adnoddau lleol i bobl leol a harneisio pŵer penderfyniadau democrataidd lleol er mwyn gwneud hynny. Felly, yn fy marn i, os byddai dau awdurdod lleol o'r farn y byddent yn gweithio'n well fel un awdurdod, ni fuaswn yn ceisio atal hynny, ac os ydynt o'r farn y byddai'n well ganddynt gydweithredu'n rhanbarthol a gwneud rhai pethau'n unigol, buaswn yn edrych i weld beth y gallem ei wneud i hwyluso trefniadau gwaith o'r fath.

I just don't think that one size fits all at all. There are very good examples across Britain and across the world of both large and small local authorities that work very effectively. It's about harnessing local resources for local people and harnessing the power of local democratic decisions in order to do so. So, my own view is that if two local authorities thought they would work better as a single one, I would not be standing in the way of that, and if they think they're better to do regional collaborations and some things individually, I'd be looking to see what we could do to facilitate those working arrangements.

A allwch chi ddod â'ch cwestiwn i ben yn awr, oherwydd rydych chi ymhell dros yr amser?

Can you bring your question to a close there now, because you're well over time?

Fel y credaf fod fy ateb i'w chwestiwn blaenorol wedi ceisio ei nodi, y system brofi, olrhain a diogelu a ddylai ymgymryd â'r gwaith o olrhain cysylltiadau dros yr haf. Rydym yn cydnabod bod cyfyngiadau mewn lleoliad ysgol y bydd penaethiaid bob amser yn eu hwynebu, o ran y gwahanol bwysau sy'n cystadlu. A dyna'n union pam y rhoddais ganllawiau i benaethiaid gynllunio, o fis Medi ymlaen, ar sail peidio â chael grwpiau cyswllt yn yr ysgol ac y bydd y broses o olrhain cysylltiadau'n cael ei gyrru gan y system brofi, olrhain a diogelu.

So, the contact tracing over the summer will be, as my answer to her previous question I think tried at least to identify, led by the TTP system. We recognise the fact that there are limitations in a school setting, which heads always face, in terms of competing pressures. And that's exactly why, from September, I've given the guidance to heads to plan on the basis of no contact groups in school and that contact tracing will be driven by the TTP system.

Rwy'n teimlo bron fel pe na bai angen imi ymateb i hynny, oherwydd mae Mike Hedges wedi gwneud ei gyhoeddusrwydd ei hun iddo ef ei hun a Nick Ramsay, sef ein cynrychiolwyr uniongyrchol fel Aelodau etholedig yma ar y bwrdd pensiynau. Felly, diolch i Mike am sicrhau ei fod ar gael i drafod natur y buddsoddiadau yn anffurfiol gydag Aelodau, ond hefyd, fel y dywedais, yn ogystal â chodi'r materion hyn yn anffurfiol gyda'n cynrychiolwyr, gellir codi unrhyw fater yn ffurfiol yn uniongyrchol gyda'r bwrdd yn ysgrifenedig i'r cadeirydd a'r aelodau.

I almost feel as if I don't need to respond to that, because Mike Hedges has done his own publicity for himself and Nick Ramsay, who are the direct representatives of us as elected Members here on the pensions board. So, I thank Mike for making himself available for discussion informally with Members on the nature of the investments, but also, as I said, in addition to that informal raising of these issues with our representatives, any issue can be raised formally directly with the board in writing to the chair and the members.