English: We are aware that this year has been very unusual indeed, if truth be told, because - . I think the budgets of all public bodies are very different to what they may have expected. The truth of the matter is that most of our expenditure has been on staff, and those staff have been working from home without visiting any other organisation for 18 months. So, there are some areas where expenditure is far lower than we'd expected, and that creates a situation where we have to be aware of the issue of underspend. But on the other side of the coin, from our perspective, there are additional requirements that have arisen unexpectedly because of the cyber attack. So, on the one hand, there is an underspend, but on the other, there are additional requirements that are over and above what was expected, because we were very confident in our financial management of the ICT strategy up until 10 December. There are also other considerations in terms of what the impact would be in terms of reserves, so that's been a consideration during this year. I'm also aware that there are plans by Government to look at reserves in more general terms. We received a letter yesterday from the Government explaining exactly what the proposals are in relation to that. But in case you feel that I am just transferring the issue to Gwenith or Dyfan when there's any detail required - but Dyfan is responsible for the financial side of things, so I want him to explain things to you in detail, because it is important. In terms of our reserves, there is a statutory reserve fund, but there's also a baseline reserve that we need to explain so that you can understand exactly what the position is at the moment.
Welsh: Rydyn ni'n ymwybodol bod y flwyddyn yma wedi bod yn anarferol iawn, i ddweud y gwir, o achos bod rhai - . Dwi'n meddwl bod cyllidebau pob corff cyhoeddus yn wahanol iawn i'r disgwyl. Y gwir amdani ydy bod mwyafrif ein gwariant ni ar staff ac mae'r staff yna wedi bod yn gweithio o gartref heb ymweld ag unrhyw gorff arall ers 18 mis erbyn hyn. Felly, mae yna rai pethau lle mae'r gwariant yn llawer iawn is na'r disgwyl, ac mae hynny'n creu sefyllfa lle mae'n rhaid inni fod yn ymwybodol o danwariant. Ond ar yr ochr arall, o'n hochr ni, wrth gwrs, mae yna ofynion ychwanegol sydd wedi codi yn annisgwyl o achos yr ymosodiad seiber. Felly, ar yr un ochr, mae yna danwariant, ac ar yr ochr arall, mae yna ofynion ychwanegol sydd y tu hwnt i'r disgwyl, achos mi oedden ni'n hyderus iawn ynglŷn â'n rheolaeth ariannol ar y strategaeth TG hyd at 10 Rhagfyr. Mae yna hefyd ystyriaethau eraill o ran beth yw'r effaith o ran y tanwariant ar y gronfa wrth gefn ac ati, felly mae hynny wedi bod yn ystyriaeth yn ystod y flwyddyn. Dwi hefyd yn ymwybodol bod yna gynlluniau gan y Llywodraeth i edrych ar sefyllfa cronfeydd wrth gefn yn gyffredinol. Fe wnaethon ni dderbyn llythyr ddoe gan y Llywodraeth yn egluro yn union beth ydy'r cynigion ar hyn o bryd. Ond eto, rhag ofn ichi feddwl fy mod i jest ar unrhyw fanylion yn trosglwyddo unai at Gwenith neu Dyfan - ond Dyfan sy'n gyfrifol am yr ochr gyllidol, felly dwi eisiau iddo fo esbonio i chi'n fanwl, achos mae'n bwysig hefyd o ran y gronfa wrth gefn bod yna gronfa statudol wrth gefn, ond hefyd mae yna gronfa waelodol sydd angen inni esbonio er mwyn ichi ddeall yn union lle rydyn ni arni ar hyn o bryd.