English: Well, Cabinet Secretary, the Holtham model potentially doubles the social care levy from £172 to £344 for those aged between 57 and 59 within the space of 12 months, just at the point when income starts to reduce. In 2017, 71 per cent of retirees in Wales took early retirement, and the average age of retirement was 58 years and six months - right in the middle of this age range. I'm not seeking to make any party political points on this issue because I think, actually, it's too big for that - it's bigger than any individual party and any individual Government. This is an issue that's developed under many different parties and Governments over the years. Cabinet Secretary, I think there is massive potential here for Wales to do something that is groundbreaking if we get it right, but also there are some enormous pitfalls, which the older people's commissioner has alluded to - and others have as well. So, can you give us an assurance that, in dealing with all these issues and giving guidance to the Assembly Members who are looking at this, you will ensure that, at the end of this, we will have a system that is equal and fair, that doesn't lead to some people feeling that they have been hard done by - to paraphrase - and also, of course, a system that means that a fund will be built up over time, and that some way down the line, future Governments won't say, 'Well, actually, that money isn't all there now for us to provide to you, as we said 20 or 30 years ago'? Because I think, and you would agree with me, that ultimately, we want to get this right and we want to make sure that, in the future, people don't feel that they have been cheated out of money that they otherwise would have had.
Welsh: Wel, Ysgrifennydd y Cabinet, mae model Holtham, o bosibl, yn dyblu'r ardoll gofal cymdeithasol o £172 i £344 ar gyfer bobl rhwng 57 a 59 oed o fewn cyfnod o 12 mis, ar adeg pan fydd eu hincwm yn dechrau lleihau. Yn 2017, cymerodd 71 y cant o bobl a ymddeolodd yng Nghymru ymddeoliad cynnar, a 58 mlynedd a chwe mis oedd yr oedran ymddeol cyfartalog - yng nghanol yr ystod oedran hon. Nid wyf yn ceisio gwneud unrhyw bwyntiau gwleidyddol pleidiol ar y mater hwn gan y credaf, mewn gwirionedd, ei fod yn fater rhy fawr ar gyfer hynny - mae'n fwy nag unrhyw blaid unigol ac unrhyw Lywodraeth unigol. Mae hwn yn fater sydd wedi datblygu o dan nifer o wahanol bleidiau a Llywodraethau dros y blynyddoedd. Ysgrifennydd y Cabinet, credaf fod potensial anferth yma i Gymru wneud rhywbeth arloesol os gwnawn hyn yn iawn, ond mae rhai peryglon enfawr hefyd, ac mae'r comisiynydd pobl hŷn wedi cyfeirio atynt - ac eraill hefyd. Felly, a allwch roi sicrwydd inni, wrth fynd i'r afael â'r holl faterion hyn a rhoi arweiniad i Aelodau'r Cynulliad sy'n edrych ar hyn, y byddwch yn sicrhau, yn y pen draw, y bydd gennym system deg a chyfartal nad yw'n peri i rai pobl deimlo eu bod wedi cael cam - i aralleirio - a hefyd, wrth gwrs, system sy'n golygu y bydd cronfa'n cael ei datblygu dros amser, ac ymhen y rhawg, na fydd Llywodraethau'r dyfodol yn dweud, 'Wel, mewn gwirionedd, nid yw'r arian hwnnw i gyd ar gael bellach i ni ei ddarparu i chi, fel y dywedasom 20 neu 30 mlynedd yn ôl'? Oherwydd rwy'n credu, a byddech yn cytuno â mi, ein bod, yn y pen draw, am wneud hyn yn iawn ac rydym yn awyddus i sicrhau, yn y dyfodol, nad yw pobl yn teimlo eu bod wedi cael eu twyllo allan o arian a fyddai wedi bod ganddynt fel arall.