English: Thank you for that, Joyce, and you're absolutely right: we have worked very hard with Rent Smart Wales, and, actually, as I frequently say, the vast majority of our landlords are good landlords and we're very glad to have them working with us in the sector, and to be fair, as I said earlier, in response to I think it was Delyth, we work very well with them and with the representative bodies as well, and they've been very helpful to us. We are looking at ways - we've just issued some guidance that affects landlords, agent representative bodies, and tenancy management services to try and assist them to find the right support, and we are working with the sector to make sure it's there. They are reliant on the business support that's out there, and many of them will not meet the thresholds for some of that, so they don't pay VAT, for example, and so on. So, we are working with the sector to understand what the risk is to the sector and to see what we can put in place to ensure that anybody at risk of financial hardship is supported in some way. Most of the work we have been doing is for tenants, because they're more badly impacted, but you're quite right to highlight that some landlords are reliant on their rent, and if their tenant is unable to pay it, they are themselves in serious difficulty. We are working hard to see what we can put in place to protect the sector, because as you've heard me say in numerous previous appearances in Plenary, we value our private rented sector and we very much want to work with them to make it a sector of choice for the tenants in Wales.
Welsh: Diolch am hynny, Joyce, ac rydych chi'n hollol gywir: rydym ni wedi gweithio'n galed iawn gyda Rhentu Doeth Cymru, ac, mewn gwirionedd, fel rwy'n ei ddweud yn aml, mae mwyafrif helaeth ein landlordiaid yn landlordiaid da ac rydym yn falch iawn o'u cael yn gweithio gyda ni yn y sector, ac a bod yn deg, fel y dywedais i'n gynharach, mewn ymateb i Delyth rwy'n credu oedd hi, rydym ni'n gweithio'n dda iawn gyda nhw a gyda'r cyrff sy'n eu cynrychioli hefyd, ac maen nhw wedi bod o gymorth mawr i ni. Rydym ni'n ystyried ffyrdd - rydym ni newydd gyhoeddi canllawiau sy'n effeithio ar landlordiaid, cyrff cynrychioli asiantau, a gwasanaethau rheoli tenantiaethau i geisio'u cynorthwyo i ddod o hyd i'r cymorth iawn, ac rydym yn gweithio gyda'r sector i sicrhau ei fod ar gael. Maen nhw'n dibynnu ar y cymorth busnes sydd ar gael, ac ni fydd llawer ohonyn nhw'n cyrraedd y trothwyon i gael rhywfaint o hynny, felly nid ydyn nhw'n talu TAW, er enghraifft, ac yn y blaen. Felly, rydym ni'n gweithio gyda'r sector i ddeall beth yw'r risg i'r sector ac i weld beth y gallwn ni ei roi ar waith i sicrhau bod unrhyw un sydd mewn perygl o galedi ariannol yn cael cymorth mewn rhyw ffordd. Mae'r rhan fwyaf o'r gwaith yr ydym ni wedi bod yn ei wneud ar gyfer tenantiaid, oherwydd bod yr effaith yn waeth arnyn nhw, ond rydych chi'n llygad eich lle i dynnu sylw at y ffaith bod rhai landlordiaid yn dibynnu ar eu rhent, ac os nad yw eu tenant yn gallu ei dalu, maen nhw eu hunain yn cael trafferthion difrifol. Rydym ni'n gweithio'n galed i weld beth y gallwn ni ei roi ar waith i amddiffyn y sector, oherwydd fel yr ydych chi wedi fy nghlywed i'n dweud mewn nifer o ymddangosiadau blaenorol yn y Cyfarfod Llawn, rydym ni'n gwerthfawrogi ein sector rhentu preifat ac rydym yn awyddus iawn i weithio gyda nhw i'w wneud yn sector y mae tenantiaid yng Nghymru yn ei ddewis.