English: First of all, there's evidence out there, so these are not figures that I've plucked out of thin air, or that you have. I know that you've also been greatly influenced, as I was three years ago, by the report of Professor Holmans. And my broad assessment is that we need about 40 per cent non-market homes and 60 per cent market, which coincidentally seems to be what you're calling for - you said 20,000 social homes in a five-year term if Plaid Cymru is elected at the next election, and, by my calculation, that leaves 30,000 to be provided by the market, of which some of that will also be assisted buying by the various schemes. But I prefer to talk about market provision and non-market. Social is clearly the non-market element of that, but a 40:60 split does seem to me a reasonable estimate. And, as Mike indicated earlier, there have been times indeed when we've built more non-market homes than market. So, we need solutions; it's pointless getting hooked up on ideology. We need homes that people can afford, whether they're buying them or whether they are renting them. I think, perhaps, where I might differ from some of your emphasis, though I don't think this divides us at all, is I think the old model of just allowing councils to build vast estates - in fairness to you, you did say you didn't think that was an appropriate model and you want mixed tenure and probably smaller schemes. But I do think you need to look at housing associations, because they are the principal resource we have at the moment, but also remember there are many people now who will not get the best home or the home they deserve, the home that their family needs and the space their children will require. They will not get that, despite being, from a historical perspective, way above the threshold for social housing, because the market has driven up the price of housing so much that we now have people on really what, in previous generations, would be regarded as quite high incomes, and those people, I think, are going to need other models. Co-operative models are very important, I think, and are used internationally. Leanne talked about pension funds investing in this sort of provision, quite probably - larger apartments for family living, but rented long term so that you're not, every two or three years, worrying whether you'll still be able to stay in your home. So, we need lots and lots of approaches. But the one thing I think is really important is that we move towards a consensus. We've been arguing for too long on this, and the Welsh Government doesn't have a great record in terms of house building - I should whisper this bit now and I hope my colleagues are not listening - but the UK Government hasn't had a great record either. I'd certainly say, since the financial crisis, in the UK, we've simply not been building enough houses, and we need to start to do that. Can I just finish by saying that there are some failures in the market, without any question? The market, in general, has not given us all the answers we need, and there are some poor developers out there, but they're not all poor. This thought that all these new private estates are somehow a blot on the landscape, that they don't have good infrastructure, and that the planning authorities have not put in school provision: I mean, that is not typical of the type of development we get in the UK and in Wales under both Governments. We have a very tightly designed planning system and it does broadly deliver, but I do take the point that there have been cases where there's been really quite poor practice, and we certainly need more developers in there, SMEs using smaller sites, and more community sign-ups so that people realise that their own communities are going to benefit from people having access to decent housing. I thank you for indulging me, Deputy Presiding Officer.
Welsh: Yn gyntaf oll, mae'r dystiolaeth allan yno, felly nid yw'r rhain yn ffigurau rwyf wedi'u creu o ddim byd, neu eich bod chi wedi gwneud hynny. Gwn eich bod chi hefyd wedi cael eich dylanwadu'n fawr, fel y cefais i dair blynedd yn ôl, gan adroddiad yr Athro Holmans. Fy asesiad bras yw bod angen tua 40 y cant o gartrefi nad ydynt ar gyfer y farchnad a 60 y cant ar gyfer y farchnad, ac mae'n ymddangos mai dyna rydych chi'n galw amdano drwy gyd-ddigwyddiad - fe ddywedoch chi 20,000 o gartrefi cymdeithasol mewn tymor o bum mlynedd pe bai Plaid Cymru yn cael eu hethol yn yr etholiad nesaf, ac yn ôl fy nghyfrifiad i, mae hynny'n gadael 30,000 i gael eu darparu gan y farchnad, a bydd peth o hynny hefyd drwy gymorth y gwahanol gynlluniau. Ond mae'n well gennyf siarad am ddarpariaeth y farchnad a darpariaeth nad yw ar gyfer y farchnad. Tai cymdeithasol yn amlwg yw'r elfen nad yw ar gyfer farchnad o hynny, ond mae rhaniad 40:60 i'w weld i mi yn amcangyfrif rhesymol. Ac fel y nododd Mike yn gynharach, cafwyd adegau yn wir pan ydym wedi adeiladu mwy o dai heb fod ar gyfer farchnad na thai ar gyfer y farchnad. Felly, mae angen atebion; nid oes unrhyw ddiben dilyn ideoleg yn ddall. Mae angen cartrefi y gall pobl eu fforddio, boed yn eu prynu neu'n eu rhentu. Efallai fy mod yn anghytuno â pheth o'ch pwyslais, er nad wyf yn credu bod hyn yn ein gwahanu o gwbl, yn yr ystyr fy mod yn meddwl bod yr hen fodel o ganiatáu i gynghorau adeiladu ystadau enfawr - er tegwch i chi, fe ddywedoch nad oeddech yn meddwl bod hwnnw'n fodel priodol a'ch bod am gael deiliadaeth gymysg a chynlluniau llai o faint mae'n debyg. Ond rwy'n credu bod angen i chi edrych ar gymdeithasau tai, am mai dyna'r prif adnodd sydd gennym ar hyn o bryd, ond hefyd cofiwch fod yna lawer o bobl bellach na fyddant yn cael y cartref gorau neu'r cartref y maent yn ei haeddu, y cartref sydd ei angen ar eu teuluoedd a'r gofod y bydd ei angen ar eu plant. Ni chânt hynny, er eu bod, o safbwynt hanesyddol, ymhell uwchben y trothwy ar gyfer tai cymdeithasol, am fod y farchnad wedi gwthio prisiau tai i fyny i'r fath raddau fel bod gennym bobl bellach sydd ar yr hyn y byddem mewn gwirionedd wedi eu hystyried yn gyflogau eithaf uchel, ac mae'r bobl hynny, rwy'n credu, yn mynd i fod angen modelau eraill. Mae modelau cydweithredol yn bwysig iawn yn fy marn i, a chânt eu defnyddio'n rhyngwladol. Soniodd Leanne am gronfeydd pensiwn yn buddsoddi yn y math hwn o ddarpariaeth, mae'n bur debyg - fflatiau mwy o faint ar gyfer bywyd teuluol, ond wedi'u rhentu'n hirdymor fel nad ydych, bob dwy neu dair blynedd, yn poeni a ydych yn mynd i gael aros yn eich cartref. Felly, mae angen llawer iawn o ddulliau o fynd i'r afael â hyn. Ond un peth rwy'n credu sy'n wirioneddol bwysig yw ein bod yn symud tuag at gonsensws. Rydym wedi bod yn dadlau am hyn yn rhy hir, ac nid oes gan Lywodraeth Cymru hanes gwych o adeiladu tai - dylwn sibrwd y tamaid hwn yn awr ac rwy'n gobeithio nad yw fy nghyd-Aelodau'n gwrando - ond nid oes gan Lywodraeth y DU hanes gwych ar hyn chwaith. Ers yr argyfwng ariannol yn y DU, buaswn yn dweud nad ydym wedi bod yn adeiladu digon o dai, ac mae angen inni ddechrau gwneud hynny. A gaf fi orffen drwy ddweud bod rhai methiannau yn y farchnad, heb unrhyw amheuaeth? Nid yw'r farchnad at ei gilydd wedi rhoi'r holl atebion sydd eu hangen arnom, ac mae rhai datblygwyr gwael i'w cael, ond nid ydynt i gyd yn wael. Mae'r syniad hwn fod yr holl ystadau preifat newydd hyn rywsut yn flotyn ar y dirwedd, nad oes ganddynt seilwaith da, ac nad yw'r awdurdodau cynllunio wedi cynnwys darpariaeth ysgol: hynny yw, nid yw hynny'n nodweddiadol o'r math o ddatblygiad a gawn yn y DU ac yng Nghymru o dan ddwy Lywodraeth. Mae gennym system gynllunio sydd wedi'i llunio'n dynn iawn ac mae'n cyflawni at ei gilydd, ond rwy'n derbyn y pwynt fod achosion wedi bod lle gwelwyd arferion gwael iawn, ac yn sicr mae angen mwy o ddatblygwyr, busnesau bach a chanolig i ddefnyddio safleoedd llai o faint, a mwy o gefnogaeth gymunedol fel bod pobl yn sylweddoli bod eu cymunedau hwy'n mynd i elwa drwy fod pobl yn cael mynediad at dai gweddus. Diolch ichi eich amynedd, Ddirprwy Lywydd.