locailabs/cofnodycynulliad_en_cy huggingface dataset:
Gwnaf. Bydd yr Aelodau'n gwybod mai cronfa yw'r cynllun cymorth buddsoddi mewn twristiaeth sy'n cefnogi'r diwydiant twristiaeth. Ers 2013, cyfanswm gwerth y cynigion yw £5.5 miliwn, ynghyd â £11.3 miliwn ychwanegol ar gyfer prosiectau twristiaeth strategol, megis Profiad y Royal Mint a Syrffio Eryri. Mae'r gronfa wedi helpu i greu 1,087 o swyddi i gyd ac yn cynnwys £40 miliwn o fuddsoddiadau pellach a fydd yn cael eu denu i mewn.

Yes. The tourism investment support scheme is a fund that Members are aware supports the tourism industry. From 2013, the value of offers totals £5.5 million, together with an additional £11.3 million for strategic tourism projects, such as the Royal Mint Experience and Surf Snowdonia. In total, the fund has helped to create 1,087 jobs and includes a further £40 million of investments being levered in.

Gallaf roi'r ymrwymiad hwnnw 100 y cant. Rydym ni'n gwybod, lle mae marchnadoedd wedi eu cyflwyno yn y GIG mewn mannau eraill, eu bod wedi arwain at wastraff ac aneffeithlonrwydd.

I can give that commitment 100 per cent. We know that where markets have been introduced in the NHS elsewhere they have led to waste and inefficiency.

Iawn, dyma ni: felly, rwy'n gofyn a allwn gael arwyddion metro fel y bydd pobl yn deall y buddsoddiad a wneir mewn cyfleusterau parcio a theithio, y cysylltiadau beicio - sut y maent i gyd yn cysylltu â'i gilydd - buddsoddiad mewn gorsafoedd hefyd. Rwy'n credu bod hynny'n bwysig iawn. A hefyd, ar ôl COVID -

Yes, this is it: so, I'm asking can we have metro signage so people will understand the investment made in park and ride, the cycle links - how they all link together - investment in stations as well. I think that's really important. And, also, post COVID -
Iawn. Wel, edrychaf ymlaen at y diwrnod pan fydd -

Okay. Well, I look forward to the day when he's -
Diolch yn fawr iawn, Mike, am y cwestiwn yn Gymraeg, ac mi atebaf i yn yr un modd. Mae Llywodraeth Cymru yn cydnabod pwysigrwydd cyhoeddiadau Cymraeg lleol wrth sicrhau bod pobl ym mhob rhan o Gymru yn gallu cael gafael ar wybodaeth a newyddion hanfodol yn ystod yr argyfwng iechyd cyhoeddus presennol. Rydyn ni'n gweithio'n agos gyda Chyngor Llyfrau Cymru a rhanddeiliaid eraill i gefnogi cyhoeddiadau yn ystod y cyfnod hwn.

Thank you very much, Mike, for that question and for asking it in Welsh, and I will answer in Welsh too. The Welsh Government recognises the importance of local Welsh-medium publications in ensuring that people in all parts of Wales have access to vital local news and information during this current public health crisis. We are working closely with the Books Council of Wales and other stakeholders to support publications during this period.

Mae'n werth ei ailadrodd heddiw: pe na baem geiniog yn well ein byd mewn termau real nag yr oeddem yn 2010, byddai gennym £850 miliwn yn fwy i'w fuddsoddi mewn gwasanaethau rheng flaen heddiw. Nawr, pe bai gwariant -

It bears repeating today: if we were not a penny better off in real terms than we were in 2010, we would have £850 million more to invest in front-line services today. Now, if spending -

Diolch. Nodais fy mlaenoriaethau ar gyfer y sector bwyd a diod yn fy ngweledigaeth ar gyfer y diwydiant. Y blaenoriaethau yw parhau i gefnogi diwydiant cryf a bywiog gyda gwell cynhyrchiant, darpariaeth gwaith teg, mabwysiadu achrediad diwydiant i raddau mwy a gwella cynaliadwyedd. Rwyf hefyd yn ceisio sicrhau rhwydweithiau cryf rhwng ac o fewn cadwyni cyflenwi, gan ychwanegu gwerth at gynhyrchiant sylfaenol, manwerthu a'r sector gwasanaethau.

Thank you. I laid out my priorities for the food and drink sector in my industry vision. They are to continue supporting a strong, vibrant industry with improving productivity, fair work provision, increasingly adopting industry accreditation and improving sustainability. I also seek strong networks between and within supply chains, adding value to primary production, retail and the service sector.
Thank you very much. As time has defeated us, I will give you a very brief opportunity to say anything that you believe should be noted by the committee that you haven't had an opportunity to say as of yet. Ioan, anything you wanted to add?

Diolch yn fawr iawn. Gan fod amser wedi mynd yn drech arnom ni, dwi yn mynd i roi cyfle sydyn iawn, os oes yna unrhyw un ohonoch chi fel tystion eisiau dweud rhywbeth rydych chi'n meddwl sydd yn bwysig i'w nodi dydych chi heb gael cyfle i'w ddweud eto. Ioan, oes yna unrhyw beth rydych chi eisiau ei ychwanegu?

I think the stories that we've heard from across the NHS in the recent extreme weather conditions show the extreme dedication of staff to provide care for their patients, and I hope that they hear our gratitude for their commitment to their work and the service they provide.

Credaf fod y straeon yr ydym ni wedi'u clywed am bob rhan o'r GIG yn yr amodau tywydd eithafol diweddar yn dangos ymroddiad anhygoel y staff i ddarparu gofal ar gyfer eu cleifion, a gobeithiaf y byddant yn clywed ein diolch am eu hymrwymiad i'w gwaith a'r gwasanaeth y maen nhw'n ei ddarparu.
Diolch am godi'r mater hwn, ac fe fyddwch chi'n cofio, yr wythnos diwethaf, mewn ymateb i gwestiwn gan Alun Davies, fy mod i wedi gallu mynegi pryderon sydd gennym o ran y penderfyniadau diweddar ynghylch gorsafoedd radio masnachol a'r effaith y gallai hynny ei chael ar eu gallu i ddarparu'r gwasanaeth newyddion gorau posibl ar gyfer y poblogaethau lleol. Ond rydych chi'n mynegi pwynt da a byddaf yn sicr yn edrych ar hyn ac yn ysgrifennu atoch yn dilyn hynny.

Thank you for raising this issue, and you'll recall that last week, in response to a question from Alun Davies, I was able to express the concerns that we have in terms of the recent decisions regarding commercial radio stations and the impact that might have on their ability to provide the best possible news service for the local populations. But you make a good point and I'll certainly look into it and write to you following that.
I didn't take office in 2005, but nevertheless - [ Interruption.] You said 2009. I beg your pardon. In terms of the answer to the question, many of those will be human resources issues, which the Permanent Secretary will be better placed to answer.

Ni ddeuthum i'r swydd yn 2005, ond serch hynny - [ Torri ar draws.] Fe ddywedoch 2009. Mae'n ddrwg gennyf. O ran yr ateb i'r cwestiwn, bydd llawer o'r rheini'n faterion adnoddau dynol y bydd yr Ysgrifennydd Parhaol mewn sefyllfa well i'w ateb.
Maen nhw'n ddau fudiad hyd braich, gyda phob parch, Dirprwy Weinidog.

They are two arm's-length organisation, with all due respect, Deputy Minister.
If it's sensible, yes.

Fe gaiff, os yw'n synhwyrol.
Diolch. I'm pleased to move this motion. The twenty-fourth of February 2023 marks the first anniversary of Vladimir Putin's illegal and barbaric invasion of its smaller sovereign neighbour, Ukraine. But this smaller neighbour has the heart of a lion and has roared back, although the impact of ongoing attacks by Russia has been felt hard by the Ukrainian people. All civilised peoples will be horrified that Putin is planning to celebrate this gruesome anniversary by launching another brutal and inhumane offensive. If only the civilised people of Russia could see and hear what horrors Putin and his cronies are perpetrating in their name, as he falsifies the narrative and silences the debate in that great country.

Diolch. Rwy'n falch o wneud y cynnig hwn. Mae'r pedwerydd ar hugain o Chwefror 2023 yn nodi blwyddyn ers ymosodiad anghyfreithlon a barbaraidd Vladimir Putin ar ei gymydog sofran llai o faint, Wcráin. Ond mae gan y cymydog llai hwn galon llew, ac mae wedi rhuo'n ôl, er bod pobl Wcráin wedi teimlo effaith ymosodiadau parhaus gan Rwsia i'r byw. Bydd pob unigolyn gwaraidd yn arswydo bod Putin yn bwriadu dathlu'r achlysur erchyll hwn drwy lansio ymosodiad creulon ac annynol arall. Pe bai pobl waraidd Rwsia ond yn gallu gweld a chlywed yr erchyllterau y mae Putin a'i gyfeillion yn eu cyflawni yn eu henw, wrth iddo ffugio'r naratif a thawelu'r ddadl yn y wlad fawr honno.
Thank you for the answer, Minister, but I'm sure you'll agree it is essential that veterans and their families are given safe, secure and supported housing when entering civil life. Simply providing leaflets and advice cards does not address the Royal British Legion's concerns about how housing officers who provide the necessary support are able to manage complex cases of free housing for veterans. Deputy Minister, what action are you taking to ensure that local authorities provide the training necessary to skill housing authorities on the correct procedures and options open to veterans in Wales? Thank you.

Diolch am eich ateb, Weinidog, ond rwy'n siŵr y byddwch yn cytuno ei bod yn hanfodol fod cyn-filwyr a'u teuluoedd yn cael tai saff a diogel, a thai â chymorth wrth ddychwelyd i fywyd sifil. Nid yw darparu taflenni a chardiau cyngor yn unig yn lleddfu pryderon y Lleng Brydeinig Frenhinol ynglŷn â sut y gall swyddogion tai sy'n darparu'r gefnogaeth angenrheidiol reoli achosion cymhleth o dai am ddim i gyn-filwyr. Ddirprwy Weinidog, pa gamau rydych yn eu cymryd i sicrhau bod awdurdodau lleol yn darparu'r hyfforddiant angenrheidiol i awdurdodau tai yn y gweithdrefnau cywir a'r opsiynau sy'n agored i gyn-filwyr yng Nghymru? Diolch.
Cyfieithwch i'r Gymraeg:

It may be that our expectations are increasing as well. I think that's certain to be part of it. In terms of policy-making standards, you're quite critical that organisations don't necessarily understand what that means. So, what can you do about that?

Efallai mae ein disgwyliadau ni yn cynyddu hefyd. Mae hynny'n ran ohono rydw i'n siŵr. O ran y safonau llunio polisi, rydych chi'n reit feirniadol nad ydy sefydliadu'n deall beth mae hynny'n ei olygu mewn gwirionedd. Felly, beth fedrwch chi wneud am hynny?
Thank you for the question. The independence of the judiciary is fundamental to the rule of law. The Welsh Government rebuts very strongly any challenge to the integrity of our Welsh tribunals' judiciary. Their decisions are based on the evidence before them and are independent of the Welsh Ministers. The Member will be aware of the written statement that I issued yesterday.

Diolch am y cwestiwn. Mae annibyniaeth y farnwriaeth yn ganolog i reolaeth y gyfraith. Mae Llywodraeth Cymru yn gwrthod unrhyw her i uniondeb barnwriaeth tribiwnlysoedd Cymru yn gryf iawn. Mae eu penderfyniadau'n seiliedig ar y dystiolaeth ger eu bron ac yn annibynnol ar Weinidogion Cymru. Bydd yr Aelod yn ymwybodol o'r datganiad ysgrifenedig a gyhoeddais ddoe.

Sorry, Cabinet Secretary, but we now we have one of your fellow Cabinet Secretaries joining in, so let's stop it and allow the Cabinet Secretary to continue.

Mae'n ddrwg gennyf, Ysgrifennydd y Cabinet, ond bellach mae gennym un o'ch cyd-Ysgrifenyddion y Cabinet yn ymuno, felly gadewch i ni roi'r gorau iddi a gadael i Ysgrifennydd y Cabinet barhau.
You haven't entered into the option agreement, then.

Nid ydych wedi ymrwymo i'r cytundeb opsiwn, felly.
Thank you, Deputy Minister, for that very detailed answer. Just last month, there was a very welcome announcement that, along with your ministerial colleagues, you jointly agreed to fund Sustrans to lead a partnership bid for assembling external funding for the reopening and running of both the Abernant and Rhondda tunnels. As I have said previously, I believe that reopening those tunnels could give a considerable boost, not least in terms of heritage and cycling tourism. I'd welcome your views on this and your thoughts on what actions could be taken by the Welsh Government to maximise the tourism potential if those tunnels did reopen.

Diolch am eich ateb manwl, Ddirprwy Weinidog. Y mis diwethaf, cafwyd cyhoeddiad calonogol iawn eich bod chi, ynghyd â'ch cyd-Weinidogion, wedi cytuno gyda'ch gilydd i ariannu Sustrans i arwain cais partneriaeth ar gyfer casglu cyllid allanol ynghyd ar gyfer ailagor a gweithredu twneli Aber-nant a'r Rhondda. Fel rwyf wedi'i ddweud o'r blaen, credaf y gallai ailagor y twneli hynny roi hwb sylweddol i dreftadaeth a thwristiaeth feicio yn enwedig. Buaswn yn croesawu eich barn ar hyn a'ch syniadau ynglŷn â pha gamau y gallai Llywodraeth Cymru eu cymryd i sicrhau cymaint o botensial twristiaeth â phosibl pe bai'r twneli hynny'n ailagor.
I appreciate that proposals to reintroduce certain species can be controversial; sometimes you have very polarised views expressed. So, I think it's really important that all views are taken into account as part of the decision-making process. That should also include a public consultation.

Rwy'n sylweddoli y gall cynigion i ailgyflwyno rhai rhywogaethau fod yn ddadleuol; weithiau, caiff safbwyntiau gwahanol iawn eu mynegi. Felly, credaf ei bod yn bwysig iawn fod pob safbwynt yn cael ei ystyried fel rhan o'r broses benderfynu. Dylai hynny gynnwys ymgynghoriad cyhoeddus.
Diolch. Mae gennyf ddiddordeb mawr yn eich ateb ac rwy'n gwerthfawrogi'r diddordeb yr ydych wedi'i ddangos yng Nghaerdydd a'r Fro. Wrth siarad â fy etholwyr, gwelaf fod llawer gormod o gleifion sy'n mynd at eu meddyg am eu bod yn teimlo iselder, unigrwydd neu bryder yn cael cynnig presgripsiwn yn hytrach na therapïau siarad eraill neu bethau eraill, sy'n cuddio'r broblem a gall arwain at broblemau hirdymor fel agoraffobia. Felly, beth yw eich strategaeth ar gyfer cynyddu nifer y bobl sy'n cael presgripsiwn cymdeithasol i hyrwyddo llesiant, a fyddai wedyn yn rhyddhau amser i'r arbenigwyr iechyd meddwl y cawn gymaint o anhawster yn eu recriwtio i ganolbwyntio ar y problemau iechyd meddwl acíwt a pharhaus hynny?

Thank you. I'm very interested in your answer and I appreciate the interest you're taking in Cardiff and the Vale. Talking to my constituents, I find that far too many patients who are approaching their doctor because they've got low mood, loneliness or anxiety are offered a script rather than other talking therapies or other things, which just masks the problem and it can lead to long-term issues like agoraphobia. So, what is your strategy for increasing the number of people offered social prescribing to promote well-being, which would then free up the time of the mental health experts that we're having such difficulty recruiting to concentrate on those acute and enduring mental health problems?
Lywydd, mae gweithredoedd Busnes Cymru, Banc Datblygu Cymru a sefydlu swyddfa ranbarthol benodedig ymhlith y camau a gymerwyd gan Lywodraeth Cymru i gefnogi busnesau yng Nghanol De Cymru.

Llywydd, the actions of Business Wales, the Development Bank of Wales and the establishment of a dedicated regional office are amongst the steps taken by the Welsh Government to support businesses in South Wales Central.
Diolch, Llywydd. First Minister, as the Welsh Government starts considering the effectiveness of its firebreak lockdown, it is crucial that it also assesses the level of support that is being offered to Welsh businesses, many of whom have been under some form of Government restrictions for much longer than just two weeks, of course. Can you tell us whether you believe the Welsh Government's package of support has met the needs of businesses across the country, and do you believe that your grant funding systems have adequately provided for businesses?

Diolch, Llywydd. Prif Weinidog, wrth i Lywodraeth Cymru ddechrau ystyried effeithiolrwydd ei chyfnod atal byr, mae'n hollbwysig ei bod hefyd yn asesu lefel y cymorth sy'n cael ei gynnig i fusnesau Cymru, y mae llawer ohonyn nhw wedi bod o dan ryw fath o gyfyngiadau gan y Llywodraeth am lawer yn hwy na dim ond pythefnos, wrth gwrs. A allwch chi ddweud wrthym ni pa un a ydych chi'n credu bod pecyn cymorth Llywodraeth Cymru wedi diwallu anghenion busnesau ledled y wlad, ac a ydych chi'n credu bod eich systemau cyllid grant wedi darparu yn ddigonol ar gyfer busnesau?

Thank you very much, Dirprwy Lywydd. I want to apologise to you, Dirprwy Lywydd, for failing to declare an interest at the beginning of the debate and my contribution. I want to draw your attention to my declaration of interest on the ownership of property, which, of course, is in the public domain. Thank you.

Diolch yn fawr iawn, Dirprwy Lywydd. Dwi am ymddiheuro i chi, Dirprwy Lywydd, am anghofio datgan diddordeb ar ddechrau'r drafodaeth a dechrau fy nghyfraniad i. Dwi eisiau tynnu eich sylw chi, os gwelwch yn dda, at fy natganiad o ddiddordeb am berchnogaeth eiddo, sydd, wrth gwrs, yn gyhoeddus. Diolch.

I certainly think this Government has absolutely led the way. If you think about our ending violence against women Bill, at the time it was absolute groundbreaking. I know the Counsel General and Minister for the Constitution is working on accessibility to Welsh law and clarification, and he's in the Chamber and heard you, and I'm sure he can look at that as part of it.

Yn sicr, rwy'n credu bod y Llywodraeth hon wedi arwain y ffordd yn llwyr. Os ydych chi'n ystyried ein Deddf rhoi terfyn ar drais yn erbyn menywod, ar y pryd yr oedd yn gwbl arloesol. Rwy'n gwybod bod y Cwnsler Cyffredinol a Gweinidog y Cyfansoddiad yn gweithio ar hygyrchedd o ran cyfraith Cymru ac eglurhad, ac mae ef yn y Siambr ac wedi'ch clywed chi, ac yr wyf yn siŵr y gall edrych ar hynny fel rhan ohono.

The next item is a debate on a Member's legislative proposal - Bethan Jenkins. I call on Bethan Jenkins to move the motion.

Yr eitem nesaf yw dadl ar gynnig deddfwriaethol gan Aelod - Bethan Jenkins. Galwaf ar Bethan Jenkins i wneud y cynnig.
Trown yn awr at lefarwyr y pleidiau i holi Ysgrifennydd y Cabinet dros Gyllid, ac yn gyntaf heddiw mae llefarydd Plaid Cymru, Steffan Lewis.

We'll now turn to party spokespeople to question the Cabinet Secretary for Finance, and first today is the Plaid Cymru spokesperson, Steffan Lewis.
A gaf i ddiolch i'r Prif Weinidog am yr ymateb yna? Mae genynnau yn chwarae rhan mewn diabetes math 2, ond mae dewisiadau o ran ffordd o fyw hefyd yn bwysig iawn. Er enghraifft, efallai y bydd gennych gellwyriad genynnol a allai eich gwneud yn agored i fath 2, ond os byddwch chi'n gofalu am eich corff efallai na fyddwch yn datblygu diabetes. A wnaiff Llywodraeth Cymru ystyried cyflwyno wythnos atal genedlaethol ar gyfer diabetes math 2?

Can I thank the First Minister for that response? Genes do play a part in type 2 diabetes, but lifestyle choices are also very important. You can, for example, have a genetic mutation that may make you susceptible to type 2, but if you take good care of your body you may not develop diabetes. Will the Welsh Government consider introducing a national prevention week for type 2 diabetes?
I'm not sure if the Member was in the Chamber, but in an answer just a couple of answers ago, I mentioned it's the Year of the Sea next year, but we can certainly have a look -

Nid wyf yn siŵr a oedd yr Aelod yn y Siambr, ond mewn ateb ychydig o atebion yn ôl, soniais ei bod yn Flwyddyn y Môr y flwyddyn nesaf, ond gallwn yn sicr edrych ar -
Prynhawn da, Ddirprwy Weinidog. Hoffwn fynd ar drywydd y sefyllfa yng nghanolbarth a gorllewin Cymru, a gynrychiolir gennyf fi ac eraill, a thynnodd y prif swyddog tân yno sylw at ansefydlogrwydd ein gwasanaethau tân mewn ardaloedd gwledig os yw pethau'n parhau fel y maent. Ac rwy'n siŵr y byddem i gyd yn pryderu am hynny. Mae'r rhan fwyaf o staff y gwasanaeth yn y canolbarth a'r gorllewin yn ddiffoddwyr tân wrth gefn ac maent yn cael eu cefnogi gan staff amser llawn. Ond mae'r gwasanaeth yn ei chael yn fwyfwy anodd recriwtio a chadw'r diffoddwyr tân hynny. Mae'n amlwg nad yw'r cynnig cyflog yn gymesur â nifer yr oriau y maent yn eu gweithio - mae rhai ohonynt yn gweithio tua 120 awr. Felly, tybed a allwn gael adolygiad o grant Llywodraeth Cymru, fel y gall ein gwasanaethau tân wneud y cynnydd angenrheidiol i'n gwasanaeth diffoddwyr tân wrth gefn. Diolch yn fawr iawn.

Good afternoon, Deputy Minister. Just to follow up on the situation in mid and west Wales, where I represent, along with others, the chief fire officer there highlighted the unsustainability of our fire services in rural areas if things carry on as they are. And I'm sure that we'd all be concerned about that. The service in mid and west Wales is staffed by majority-retained firefighters and is supported by wholetime staff. However, the service is finding it more and more difficult to recruit and retain those firefighters. It's clear that the offer, in terms of pay, isn't commensurate with the number of hours that they work - some of them around 120 hours. So, I wondered if there would be a review of the Welsh Government grant, so that our fire services can make the necessary increases to our retained firefighter service. Diolch yn fawr iawn.
Thank you, Simon for giving way. Your point is very well made. In fact, there is a parallel with the investment that went into the areas around Hull and Grimsby. Prior to 2010, £60 million was put into port expansion there in order to enable the expansion of offshore wind, and it is happening, and Siemens are located there; they have manufacturing capability as well as everything else. This could be our equivalent in Wales, and we need to, without holding up the begging bowl, actually say to them, 'This is good for the UK as well, but it's particularly good for Wales.'

Diolch i chi, Simon, am ildio. Mae eich pwynt yn un da iawn. Yn wir, mae'n debyg i'r buddsoddiad a wnaed yn yr ardaloedd o amgylch Hull a Grimsby. Cyn 2010, buddsoddwyd £60 miliwn i ehangu'r porthladd yno er mwyn ei gwneud hi'n bosibl ehangu ynni gwynt ar y môr; mae'n digwydd, ac mae Siemens wedi eu lleoli yno; mae ganddynt allu gweithgynhyrchu yn ogystal â phopeth arall. Gallai hwn gyfateb i hynny yng Nghymru, ac mae angen i ni ddweud wrthynt mewn gwirionedd, heb fynd i godi'r fowlen cardota, 'Mae hyn yn dda i'r DU hefyd, ond mae'n arbennig o dda i Gymru.'
Diolch, Llywydd, and thank you to those who've contributed to this timely debate. It's surely morally wrong for anyone to be in debt simply as a result of trying to survive, because that's what we're talking about here: families who struggle to afford basic costs, rent, or council tax to keep a roof over their heads, and bills for gas and electricity to keep them warm and fed. Sioned Williams has talked about the Victorian poverty facing many families. We no longer have the spectre of Scrooge in his counting house, but the flash modern company with enticing websites and usurious interest rates. Mark Isherwood spoke about improving financial capability; I know that financial literacy and capability is something Citizens Advice has worked on for many years. I don't think it will answer all of the issues we've raised, but I do agree that this does deserve more support. Jane Dodds spoke about the psychological toll of debt, the weight of debt around families' necks - yes, indeed.

Diolch, Lywydd, a diolch i'r rhai sydd wedi cyfrannu at y ddadl amserol hon. Mae'n sicr yn foesol anghywir i unrhyw un fod mewn dyled yn syml o ganlyniad i geisio goroesi, oherwydd dyna'r hyn rydym yn sôn amdano yma: teuluoedd sy'n ei chael yn anodd fforddio costau sylfaenol, rhent, neu dreth gyngor i gadw to uwch eu pennau, a biliau nwy a thrydan i'w cadw'n gynnes ac wedi'u bwydo. Mae Sioned Williams wedi sôn am y tlodi ar lefel oes Fictoria sy'n wynebu llawer o deuluoedd. Nid y darlun o Scrooge yn ei dŷ cyfrif sydd gennym mwyach, ond y cwmni modern crand gyda gwefannau deniadol a chyfraddau llog usuriaidd. Siaradodd Mark Isherwood am wella gallu ariannol; gwn fod llythrennedd a gallu ariannol yn rhywbeth y mae Cyngor ar Bopeth wedi gweithio arno ers blynyddoedd lawer. Nid wyf yn credu y bydd yn ateb yr holl faterion rydym wedi'u codi, ond rwy'n cytuno bod hyn yn haeddu mwy o gefnogaeth. Siaradodd Jane Dodds am faich seicolegol dyled, pwysau dyled ar ysgwyddau teuluoedd - ie, yn wir.