English: Can I begin by echoing what Russell George has said and thank the Minister and, indeed, his staff, who have been very responsive to specific concerns that I and my colleagues have raised and also very open to new ideas and new suggestions? I would submit that this is a very positive model for the way in which a Government ought to be engaging with constructive opposition at this time, and I really appreciate the Minister for making sure that that's happened. If I may just briefly raise some specific issues. I was very pleased to hear the Minister say that the economic resilience fund - he is very conscious that it doesn't meet all the businesses he'd like it to, particularly those businesses that don't register for VAT. I'm very pleased to hear him say that that will be kept under review. I wonder if the Minister can give us an indication today about when that might be able to happen, because as I know he's aware, those very small businesses are ones who may have less put by, they may be more vulnerable and arguably may need help more quickly than larger businesses that might have more robust relationships with their banks. And speaking of banks, I want to particularly welcome what the Minister has said about, as it were, a league table for the high-street banks, about those who are being helpful and those who are not. I'd say, more broadly, I think, that the people of Wales will remember those big businesses who conducted themselves well and they will remember those that have not, and I'm sure the Minister will agree with me about that. In his statement, the Minister mentions the UK Government's furlough scheme, the job retention scheme, and I know that we're all very pleased that that's in place, but the Minister is aware that there are some issues, and there are some gaps, and I'm grateful for the opportunity that he's given me to provide him with some evidence about particularly those people who are left behind because they've changed employment at this time - their previous employers won't furlough them, sometimes perhaps because they left without leaving a positive relationship, and new employers who would wish to do so. I wonder if the Minister can update us this afternoon about the discussions that I know he's been having with the UK Government about this, and whether he feels that there is a possibility, now the main scheme is in place - the most obvious evidence being payroll - that there is any possibility of flexibility. And, finally, the Minister has acknowledged in his responses to Russell George that there are still some gaps, and I would say, in this context, that when you're making these big steps so quickly, there will be gaps; I don't think anybody is surprised in that. Now, when the First Minister was questioned about related issues and thinking about where the gaps are and how they are to be filled, the First Minister talked about pressing the UK Government to fill those gaps, and I'm sure none of us would disagree with that, and we all acknowledge, of course, the limited resources available to the Welsh Government. But in the past, the Minister has said - and I think he has said really this afternoon in response to Russell George - that he will look to plug some of those gaps with Wales-only schemes if he has to. I was interested to hear him again refer to the assistance fund, the discretionary assistance fund, and I wonder whether he can give some further consideration to using that fund to provide an emergency basic income to some of those people who will be falling through the gaps, because we can't make furlough schemes for everybody, and when he thinks he will have an assessment of how many businesses and how many individual sole traders are falling through the gaps and how soon a new scheme might be able to be in place to support them. Thank you.
Welsh: A gaf fi ddechrau drwy adleisio'r hyn a ddywedodd Russell George a diolch i'r Gweinidog ac yn wir, i'w staff, sydd wedi bod yn ymatebol iawn i bryderon penodol rwyf fi a fy nghyd-Aelodau wedi'u codi a hefyd yn agored iawn i syniadau newydd ac awgrymiadau newydd? Byddwn yn awgrymu bod hwn yn fodel cadarnhaol iawn ar gyfer y ffordd y dylai Llywodraeth ymgysylltu â gwrthwynebiad adeiladol ar yr adeg hon, ac rwy'n gwerthfawrogi'r ffordd y mae'r Gweinidog wedi sicrhau bod hynny'n digwydd yn fawr iawn. Os caf godi rhai materion penodol yn fyr. Roeddwn yn falch iawn o glywed y Gweinidog yn dweud bod y gronfa cadernid economaidd - mae'n ymwybodol iawn nad yw'n cynnwys yr holl fusnesau yr hoffai eu cynnwys, yn enwedig y busnesau nad ydynt yn cofrestru ar gyfer TAW. Rwy'n falch iawn o'i glywed yn dweud y bydd hynny'n cael ei adolygu'n rheolaidd. Tybed a all y Gweinidog roi syniad inni heddiw pa bryd y gallai hynny ddigwydd, oherwydd fel y gwn ei fod yn gwybod, mae'r busnesau bach iawn hynny'n rhai a all fod â llai wrth gefn, gallent fod yn fwy agored i niwed ac efallai y bydd arnynt angen cymorth yn gyflymach na busnesau mwy a allai fod â pherthynas fwy cadarn â'u banciau. A siarad am fanciau, rwyf am groesawu'n arbennig yr hyn y mae'r Gweinidog wedi'i ddweud am dabl cynghrair, fel petai, ar gyfer banciau'r stryd fawr, ynghylch y rhai sy'n helpu a'r rhai nad ydynt yn helpu. Byddwn i'n dweud, yn fwy cyffredinol, rwy'n credu, y bydd pobl Cymru yn cofio'r busnesau mawr a wnaeth ymddwyn yn dda ac y byddant yn cofio am y rhai na wnaethant hynny, ac rwy'n siŵr y bydd y Gweinidog yn cytuno â mi ynglŷn â hynny. Yn ei ddatganiad, mae'r Gweinidog yn sôn am gynllun ffyrlo Llywodraeth y DU, y cynllun cadw swyddi, ac rwy'n gwybod ein bod i gyd yn falch iawn o weld hynny ar waith, ond mae'r Gweinidog yn ymwybodol fod rhai problemau, ac mae rhai bylchau, ac rwy'n ddiolchgar am y cyfle y mae wedi'i roi i mi ddarparu rhywfaint o dystiolaeth iddo am y bobl hynny'n arbennig sy'n cael eu gadael ar ôl am eu bod wedi newid eu gwaith ar yr adeg hon - ni fydd eu cyflogwyr blaenorol yn eu rhoi ar ffyrlo, weithiau efallai am eu bod wedi gadael heb fod y berthynas rhyngddynt yn gadarnhaol, a chyflogwyr newydd a fyddai'n dymuno gwneud hynny. Tybed a all y Gweinidog roi'r wybodaeth ddiweddaraf inni y prynhawn yma am y trafodaethau y gwn ei fod wedi eu cael gyda Llywodraeth y DU ynglŷn â hyn, ac a yw'n teimlo bod posibilrwydd, gan fod y prif gynllun ar waith bellach - a'r dystiolaeth amlycaf yw'r gyflogres - o weld unrhyw bosibilrwydd o hyblygrwydd. Ac yn olaf, mae'r Gweinidog wedi cydnabod yn ei ymatebion i Russell George fod rhai bylchau o hyd, a byddwn yn dweud, yn y cyd-destun hwn, pan fyddwch yn gwneud y camau mawr hyn mor gyflym, fe fydd yna fylchau; nid wyf yn credu bod neb yn synnu ynglŷn â hynny. Nawr, pan holwyd y Prif Weinidog ynglŷn â materion cysylltiedig a meddwl ynglŷn â ble mae'r bylchau a sut y gellid eu llenwi, soniodd y Prif Weinidog am bwyso ar Lywodraeth y DU i lenwi'r bylchau hynny, ac rwy'n siŵr na fyddai neb ohonom yn anghytuno â hynny, ac rydym i gyd yn cydnabod, wrth gwrs, yr adnoddau cyfyngedig sydd ar gael i Lywodraeth Cymru. Ond yn y gorffennol, mae'r Gweinidog wedi dweud - ac rwy'n meddwl ei fod wedi dweud y prynhawn yma wrth ymateb i Russell George - y bydd yn ceisio cau rhai o'r bylchau hynny â chynlluniau ar gyfer Cymru'n unig os bydd raid. Roedd yn ddiddorol ei glywed eto'n cyfeirio at y gronfa gymorth, y gronfa cymorth dewisol, a tybed a all roi ystyriaeth bellach i ddefnyddio'r gronfa honno i ddarparu incwm sylfaenol brys i rai o'r bobl a fydd yn disgyn drwy'r bylchau, oherwydd ni allwn wneud cynlluniau ffyrlo i bawb, a phryd y mae'n credu y caiff asesiad o faint o fusnesau a faint o unig fasnachwyr unigol sy'n disgyn drwy'r bylchau a pha mor fuan y gallai cynllun newydd fod ar waith i'w cefnogi. Diolch.