English: Thanks to the Minister for your statement today. I appreciate, from what you've said and from what the other contributors have said, that this has been something of a long-running issue. As you mentioned, opinions have tended to be polarised, particularly on the one particular issue of the commission rates. So, it has been a difficult job for you. I can see that that would be the case. Now, you've stressed the need for balance - the need to strike a balance between differing interests - in your statement, and I think that's of paramount importance, so I agree with you that that was what you needed to do. There is a need to protect the interests of the whole park home community. After all, we don't want well-run parks to close down. You mentioned that many of the people who live in park homes tend to be older people. Well, there is already a shortage of suitable accommodation for older people in society in general, so we don't really want to exacerbate that problem with contributing to well-run park home sites actually closing down. So, we do need to be very mindful of that danger. I was made aware of some of the issues around park homes about a year ago when I was invited to visit one near Culverhouse Cross on the western fringe of Cardiff. So, I went on a bit of a tour of the park. I had fairly free access to various residents - they weren't by any means hand-picked for me to speak to - and, in general, the residents seemed to enjoy living in that community, and they seemed to very much value the village-like feeling that they had from living there. So, we do need, again, to be aware that there are many well-run park homes where people are enjoying that particular kind of lifestyle. Now, I appreciate that that isn't the full picture. There are probably homes that are not run as well, and you alluded to differing experiences that people have. I'm aware that there are poorly managed homes too, so we need to address that. Now, the financial elements are interesting, because you've stated that you were given a lot of access by the site owners - they very much co-operated in allowing your independent financial analysts to look at the accounts. So, you did have those accounts available, and that was helpful in leading you to make a more informed judgment. So, I'm interested, actually, in your reasoning for lowering the commission on the sales. Now, I appreciate that you're saying it's going to be done over five years, so that is better than something sudden, but all the same, it is lowering the rates, and I wondered at the logic of it, given some of the other factors that you've said in your statement. You've pointed out that the average in the 1960s was around 20 per cent commission and that's gone down to 10 per cent already. You've also mentioned a crucial factor: that the value of the homes is to a large extent made up of the pitch itself. So, by that logic, it's sometimes puzzling to wonder why you might want to reduce the commission, because you've said that there's the issue of the pitch fees, so if the site owners are now reasonably free to raise the pitch fees, the danger is that the residents could be facing increases in pitch fees, so that is then going to have to be managed as a separate problem. And if pitch fees aren't raised, because they do have to go to these tribunals if they go above the consumer price index, then the danger, which is actually in your statement, is that many homes will actually not be viable and will close down. And also, when people lose their pitches, they could actually lose more equity in their home because they're having to leave their pitch. So, I wonder at your overall analysis of all these factors in deciding to reduce the commission. So, I would wish you to put a little bit more light on that. I agree with you that residents' associations are always a good thing if they don't have them, so encouraging that is good. And your ideas about having more guidance are good, because I thought - now, this is something where you did educate me today - that these were relatively visible fees. I thought that this was not similar to things we've discussed recently here, like hidden freehold charges and access road charges. I thought that people, when they entered into these financial agreements, understood that it was 10 per cent commission, but from what you've said, there may be a lack of knowledge and people may be entering, again, like with these other issues, into financial agreements when they're not fully aware of what they're signing up to. So, I totally agree with the need to perhaps educate these people, and if you can put any more light onto that, I'd be grateful. Thank you.
Welsh: Diolch i'r Gweinidog am eich datganiad heddiw. Rwy'n sylweddoli, o'r hyn yr ydych chi wedi'i ddweud ac o'r hyn y mae cyfranwyr eraill wedi'i ddweud, bod hyn wedi bod yn dipyn o broblem ers cryn amser. Fel y gwnaethoch chi ddweud, mae'r safbwyntiau yn dueddol o fod yn begynol, yn arbennig ar un mater penodol hwnnw sef y cyfraddau comisiwn. Felly, bu'n dasg anodd i chi. Gallaf weld bod hynny'n wir. Nawr, rydych chi wedi pwysleisio'r angen am gydbwysedd - yr angen i sicrhau cydbwysedd rhwng y gwahanol fuddiannau - yn eich datganiad, ac rwy'n credu bod hynny'n hollbwysig, felly, rwy'n cytuno â chi mai dyna yr oedd angen ichi ei wneud. Mae angen diogelu buddiannau'r gymuned cartrefi mewn parciau gyfan. Wedi'r cyfan, dydyn ni ddim eisiau i barciau sy'n cael eu rheoli'n dda i gau. Fe wnaethoch chi sôn fod llawer o bobl sy'n byw mewn cartrefi mewn parciau yn dueddol o fod yn bobl hŷn. Wel, mae eisoes prinder llety addas ar gyfer pobl hŷn yn y gymdeithas yn gyffredinol, felly dydyn ni ddim mewn gwirionedd eisiau gwaethygu'r broblem honno a chyfrannu at gau safleoedd cartrefi mewn parciau sy'n cael eu rhedeg yn dda. Felly, mae angen i ni fod yn ymwybodol iawn o'r perygl hwnnw. Fe ddes innau'n ymwybodol o rai o'r materion ynghylch cartrefi mewn parciau tua blwyddyn yn ôl pan gefais fy ngwahodd i ymweld ag un ger Croes Cwrlwys ar gyrion gorllewinol Caerdydd. Felly, euthum ar dipyn o daith o amgylch y parc. Cefais fynediad eithaf rhydd at amrywiol drigolion - doedden nhw ddim wedi'u dewis yn arbennig i siarad â mi o gwbl - ac, yn gyffredinol, roedd yn ymddangos bod y trigolion yn mwynhau byw yn y gymuned honno, ac roedd yn ymddangos eu bod yn gwerthfawrogi'r naws tebyg i bentref a gynigiwyd iddynt drwy fyw yno. Felly, mae angen, unwaith eto, i ni fod yn ymwybodol bod yna lawer o gartrefi mewn parciau sy'n cael eu rhedeg yn dda lle mae pobl yn mwynhau y math arbennig hwnnw o ffordd o fyw. Nawr, rwy'n sylweddoli nad yw hynny'n cyfleu'r darlun llawn. Mae'n debyg bod safleoedd nad ydynt yn cael eu rhedeg yn dda hefyd, a gwnaethoch chi gyfeirio at y profiadau gwahanol y mae pobl yn eu cael. Rwy'n ymwybodol bod cartrefi a reolir yn wael hefyd, felly mae angen inni roi sylw i hynny. Nawr, mae'r elfennau ariannol yn ddiddorol, oherwydd rydych chi wedi datgan y rhoddwyd llawer o fynediad i chi gan berchnogion safleoedd - fe wnaethon nhw gydweithredu'n helaeth drwy ganiatáu i'ch dadansoddwr ariannol annibynnol edrych ar y cyfrifon. Felly, roedd y cyfrifon hynny ar gael i chi, ac roedd hynny o gymorth i'ch arwain chi i wneud penderfyniad mwy deallus. Felly, mae gennyf ddiddordeb, mewn gwirionedd, yn eich rhesymeg chi dros ostwng y comisiwn gwerthu. Nawr, rwy'n sylweddoli eich bod chi'n dweud ei fod yn mynd i gael ei wneud dros bum mlynedd, felly mae hynny'n well na rhywbeth sydyn, ond ar yr un pryd, mae'n gostwng y cyfraddau, ac roeddwn i'n rhyfeddu at y rhesymeg, o ystyried rhai o'r ffactorau eraill yr ydych chi wedi'u nodi yn eich datganiad. Rydych chi wedi nodi bod y comisiwn cyfartalog yn y 1960au tua 20 y cant ac mae hwnnw wedi gostwng i 10 y cant eisoes. Rydych chi hefyd wedi sôn am ffactor hollbwysig: bod gwerth y cartrefi i raddau helaeth yn seiliedig ar y llain ei hun. Felly, yn ôl y rhesymeg honno, mae hi braidd yn rhyfedd meddwl tybed pam y byddech chi'n dymuno gweld y comisiwn yn lleihau, oherwydd rydych chi wedi dweud bod yna fater o ran y ffioedd am leiniau, felly, os yw perchnogion y safleoedd bellach yn eithaf rhydd i godi'r ffioedd am leiniau, y perygl yw y gallai trigolion fod yn wynebu cynnydd yn y ffioedd am leiniau, ac fe fydd hynny wedyn yn gorfod cael ei rheoli fel problem ar wahân. Ac os na chaiff y ffioedd am leiniau eu codi, oherwydd bod yn rhaid iddyn nhw fynd i'r tribiwnlysoedd hyn os byddan nhw uwchlaw'r mynegai prisiau defnyddwyr, yna'r perygl, sydd mewn gwirionedd yn eich datganiad, yw y bydd llawer o gartrefi mewn gwirionedd yn anhyfyw a bydd safleoedd yn cau. A hefyd, pan fo pobl yn colli eu lleiniau, gallen nhw mewn gwirionedd golli mwy o ecwiti yn eu cartref oherwydd bod angen iddyn nhw adael eu llain. Felly, rwy'n rhyfeddu at eich dadansoddiad cyffredinol o'r holl ffactorau hyn wrth benderfynu lleihau'r comisiwn. Felly, hoffwn ichi roi ychydig mwy o oleuni ar hynny. Rwy'n cytuno â chi bod cymdeithasau trigolion bob amser yn beth da os nad ydyn nhw eisoes yn bodoli, felly mae annog hynny yn dda. Ac mae eich syniadau chi am gael mwy o arweiniad yn dda, oherwydd roeddwn i'n meddwl - nawr, mae hyn yn rhywbeth y gwnaethoch chi fy addysgu yn ei gylch heddiw - bod y rhain yn ffioedd cymharol amlwg. Roeddwn i'n meddwl nad oedd hyn yn debyg i'r pethau yr ydym ni wedi eu trafod yn ddiweddar yma, fel ffioedd rhydd-ddaliadol cudd a thaliadau am ffordd fynediad. Roeddwn i'n credu bod pobl, pan oedden nhw'n sefydlu'r cytundebau ariannol hyn, yn deall fod yna gomisiwn o 10 y cant, ond o'r hyn yr ydych chi wedi'i ddweud, efallai fod yna ddiffyg gwybodaeth ac efallai fod pobl yn sefydlu, unwaith eto, fel gyda'r materion eraill hyn, gytundebau ariannol pan nad ydyn nhw'n llwyr ymwybodol o'r hyn y maen nhw'n cytuno iddo. Felly, cytunaf yn llwyr â'r angen i efallai addysgu'r bobl hyn, ac os gallwch chi roi mwy o oleuni ar hynny, byddwn yn ddiolchgar. Diolch.