Diolch i'r Gweinidog am ei hymateb. Mae'r model buddsoddi cydfuddiannol yn costio mwy na benthyca gan y Llywodraeth. Pe na bai hynny'n wir, dyna fyddai'r dull o fenthyca a ffafrir. Menter cyllid preifat ydyw i bob pwrpas heb reolaeth cyfleusterau. Ar brosiect risg isel, gyda chost ychwanegol amcangyfrifedig o 3 y cant ar gyfer benthyca, 5 y cant ar gyfer elw, a 2 y cant ar gyfer rhan budd cymunedol y cynllun, mae'n ychwanegu £1 miliwn yn ychwanegol am bob £10 miliwn o gost. A oes gan y Gweinidog ffigurau gwahanol? Ac a fydd yn rhaid i gynlluniau model buddsoddi cydfuddiannol, oherwydd y gost ychwanegol, brofi eu budd yn erbyn meini prawf llymach?

I thank the Minister for that response. The mutual investment model costs more than borrowing by the Government. If that were not true, it would be the preferred method of borrowing. It is effectively private finance initiative without facilities management. On a low-risk project, with an estimated additional cost of 3 per cent for borrowing, 5 per cent for profit, and 2 per cent for the community good part of the scheme, adds an extra £1 million for every £10 million of cost. Does the Minister have different figures? And will MIM schemes, because of the extra cost, have to prove their benefit against more exacting criteria?

Diolch, Lywydd. Weinidog, fe fyddwch yn ymwybodol o'r dinistr a achoswyd gan storm Francis yng ngogledd-orllewin Cymru. Cafwyd llifogydd a thirlithriadau ar yr A55 ac eiddo niferus yn Abergwyngregyn, achubwyd oddeutu 40 o unigolion o gabanau ym Methesda, achubwyd pobl o bum tŷ a difethwyd busnesau ym Meddgelert, ac wrth gwrs, cafodd gerddi a chastell a hanesyddol rhestredig gradd 1 Castell Gwydir eu difrodi ar ôl iddynt ailagor yn yr haf. Nawr, nid yw cynllun buddsoddi cyfalaf 2021 Llywodraeth Cymru ar gyfer rheoli risg llifogydd yn cynnwys unrhyw gyllid sydd o fudd amlwg i'r ardaloedd hyn - Beddgelert, Abergwyngregyn, Bethesda, na Gwydir - yn y tymor byr. A wnewch chi gynyddu cyllid ar gyfer cynlluniau perygl llifogydd brys mewn ardaloedd yr effeithiwyd arnynt gan storm Francis yng ngogledd-orllewin Cymru, a pham nad ydych eisoes wedi cyhoeddi unrhyw gyllid brys o'r fath ar gyfer y rhai yr effeithiwyd arnynt gan stormydd gwirioneddol annisgwyl ar adeg pan ddylai pob un ohonom fod yn mwynhau'r haf?

Diolch, Llywydd. Minister, you'll be aware of how storm Francis wreaked havoc in north-west Wales. Flooding and landslides saw the A55 and properties submerged in Abergwyngregyn, around 40 individuals rescued from chalets in Bethesda, people from five houses rescued and businesses ruined in Beddgelert, and, of course, the historic grade I listed Gwydir Castle and gardens battered just after their summer reopening. Now, the 2021 Welsh Government flood risk management capital investment scheme actually doesn't include any funding that clearly benefits these areas - Beddgelert, Abergwyngregyn, Bethesda, nor Gwydir - in the short term. Will you increase funding for urgent flood risk schemes in areas that have been affected by storm Francis in north-west Wales, and why have you not already announced any such emergency funding for those affected by these really unexpected storms at a time when we should all be enjoying a summer?