Thank you. I am working very closely with my colleague Carl Sargeant, the Cabinet Secretary for Communities and Children, in relation to retrofitting. I've also established a ministerial decarbonisation task and finish group with two others of my Cabinet Secretary colleagues, so that will really drive cross-Government action. I wanted to help bring forward proposals to meet our challenging carbon commitments also. So, whilst we will continue to look at the scale of our own energy efficiency programmes, we do need to look at our decarbonisation ambitions. They can't be achieved through Government funding alone, so we are going to have to have a much more joined-up approach across Government and across all sectors, really, to help us deliver on this agenda.

Diolch. Rwy'n cydweithio'n agos iawn gyda fy nghyd-Aelod Carl Sargeant, Ysgrifennydd y Cabinet dros Gymunedau a Phlant, mewn perthynas ag ôl-osod. Rwyf hefyd wedi sefydlu grŵp gorchwyl a gorffen gweinidogol ar ddatgarboneiddio gyda dau arall o fy nghyd-Ysgrifenyddion Cabinet, felly bydd hynny'n sbardun mawr i weithredu traws-Lywodraethol. Roeddwn am helpu i gyflwyno cynigion i gyflawni ein hymrwymiadau heriol o ran carbon hefyd. Felly, er y byddwn yn parhau i edrych ar raddfa ein rhaglenni effeithlonrwydd ynni ein hunain, mae angen i ni edrych ar ein huchelgeisiau o ran datgarboneiddio. Ni ellir eu cyflawni drwy gyllid y Llywodraeth yn unig, felly rydym yn mynd i sicrhau bod gennym ddull llawer mwy cydgysylltiedig ar draws y Llywodraeth ac ar draws pob sector, mewn gwirionedd, i'n cynorthwyo i gyflawni mewn perthynas â'r agenda hon.

Thank you very much. That's all the time we have for today. If there are any questions from us, we'll write to you. Thank you, that was very useful. I hope you found it useful as well. We will have the Minister in shortly and I'm sure you will be interested in seeing the report that will be written as a result of that work. Thank you.

Grêt. Diolch yn fawr iawn. Dyna'r oll o ran yr amser sydd gyda ni heddiw. Os oes mwy o gwestiynau gennym ni, byddwn yn ysgrifennu atoch chi, ond, diolch, roedd hynny'n ddefnyddiol iawn. Gobeithio eich bod chi wedi'i ffeindio fe'n ddefnyddiol hefyd. Byddwn ni'n cael y Gweinidog i mewn yn y man; wedyn, rwy'n siŵr y byddai diddordeb gyda chi mewn gweld yr adroddiad fydd yn dod o'r pwyllgor. Diolch yn fawr.

Thank you very much. As you know, as the Finance Committee, we can only look at the financial aspect of this Bill. So, if you're happy, we'll go straight into questions. If I could ask first of all: in terms of the remit of this committee, why do you feel that there is a need for this Bill, and why isn't it acceptable for the debt that, ultimately, relates to housing associations, to be kept on the Government's books?

Diolch yn fawr iawn. Fel yr ŷch chi'n gwybod, rydym ni fel Pwyllgor Cyllid ond yn edrych ar ochr gyllidol y Bil yma, felly, os ydych chi'n hapus, gwnawn ni fwrw ati yn syth gyda'r cwestiynau. Os caf i ofyn yn gyntaf, o safbwynt cylch gorchwyl y pwyllgor yma: pam yr ŷch chi'n teimlo bod angen y Bil, a pham nad yw'n dderbyniol i'r ddyled sydd, yn y pen draw, yn ymwneud â chymdeithasau tai, gael ei chadw ar lyfrau'r Llywodraeth?

We'll continue with the meeting now, and we have papers to note. So, may I ask Members whether they're content to note those papers? Yes.

Mi gariwn ni ymlaen nawr gyda'r cyfarfod, ac mae yna bapurau i'w nodi, papers to note. Felly, gaf i ofyn a ydych chi'n hapus i nodi'r papurau? Ie.