English: Thank you, Deputy Presiding Officer. Our communities, Darren, have now faced a decade of austerity in the vital public realm and cuts to social security, which have eaten into public services across the UK and impoverished already poor people. From the bedroom tax to the cuts in universal credit, this current Conservative Government is as familiar to our communities as the Thatcher Government was of indifference to runaway employment and the poll tax. It's the same old Government. So, our communities now face, after this decade of austerity, a Conservative cost-of-living crisis, which is exacerbated by rising energy prices and the unwillingness of the UK Government and Prime Minister to take action, but it's made worse by Conservative decisions. So, in bringing this to a close - after the one-minute intervention there - we have unemployment support now fallen to its lowest real-terms value in more than three decades. We have the value of pensions and benefits, Darren, with payments that have fallen to the lowest point in 50 years. We have the Joseph Rowntree Foundation saying pensioners and benefits claimants have seen the value of their payments fall in real terms in eight of the last 10 years. They say, Darren, in terms of their values - how much bread and milk you can buy in the shops - it's the biggest fall in value since 1972. The £20 a week uplift in universal credit, brought in to help recipients whose income suffered as a result of the pandemic, ended in September. People have lost more than £1,000 as a result. Even with the changes - even with the changes - to in-work benefits, such as the reduction of the taper rate and an increase in the work allowance by £500, three quarters of households on universal credit are set to receive less now than they did a year ago, and recipients who don't work at all will lose the entire COVID uplift, equal to over £1,000 a year. And now we have tax rises, national insurance rises -
Welsh: Diolch yn fawr, Ddirprwy Lywydd. Mae ein cymunedau, Darren, bellach wedi wynebu degawd o gyni yn y maes cyhoeddus hanfodol a thoriadau i nawdd cymdeithasol, sydd wedi bwyta i mewn i wasanaethau cyhoeddus ledled y DU ac sydd wedi gwneud pobl a oedd eisoes yn dlawd yn dlotach. O'r dreth ystafell wely i'r toriadau credyd cynhwysol, mae'r Llywodraeth Geidwadol bresennol hon yr un mor gyfarwydd i'n cymunedau ag yr oedd difaterwch tuag at gyflogaeth fyrhoedlog a threth y pen i Lywodraeth Thatcher. Yr un hen Lywodraeth yw hi. Felly, ar ôl degawd o gyni, mae ein cymunedau'n wynebu argyfwng costau byw'r Ceidwadwyr, sy'n cael ei waethygu gan brisiau ynni cynyddol ac amharodrwydd Llywodraeth y DU a Phrif Weinidog y DU i weithredu, ond mae'n cael ei waethygu gan benderfyniadau'r Ceidwadwyr. Felly, wrth ddirwyn i ben - ar ôl yr ymyriad a barodd am funud - mae cymorth diweithdra bellach wedi gostwng i'w werth isaf mewn termau real mewn mwy na thri degawd. Mae gennym werth pensiynau a budd-daliadau, Darren, gyda thaliadau sydd wedi gostwng i'r pwynt isaf mewn 50 mlynedd. Mae gennym Sefydliad Joseph Rowntree yn dweud bod pensiynwyr a hawlwyr budd-daliadau wedi gweld gwerth eu taliadau'n gostwng mewn termau real mewn wyth o'r 10 mlynedd diwethaf. Maent yn dweud, Darren, o ran eu gwerth - faint o fara a llaeth y gallwch ei brynu yn y siopau - mai dyma'r gostyngiad mwyaf yn eu gwerth ers 1972. Daeth y cynnydd o £20 yr wythnos mewn credyd cynhwysol, a gyflwynwyd i helpu derbynwyr y dioddefodd eu hincwm o ganlyniad i'r pandemig, i ben ym mis Medi. Mae pobl wedi colli mwy na £1,000 o ganlyniad. Hyd yn oed gyda'r newidiadau - hyd yn oed gyda'r newidiadau - i fudd-daliadau mewn gwaith, megis lleihau'r gyfradd tapr a chynnydd o £500 yn y lwfans gweithio, bydd tri chwarter yr aelwydydd ar gredyd cynhwysol yn cael llai yn awr na'r hyn a gaent flwyddyn yn ôl, a bydd derbynwyr nad ydynt yn gweithio o gwbl yn colli'r ychwanegiad COVID i gyd, sy'n cyfateb i dros £1,000 y flwyddyn. Ac yn awr mae gennym godiadau treth, codiadau yswiriant gwladol -