English: Thank you, Jenny. Unfortunately, you're absolutely right - it is likely that many people will experience real difficulties in paying rent as the pandemic period continues. Our officials are continuing to work closely with private sector and social sector landlords to monitor the position and to understand where and how further mitigations or interventions might be required and possible. We've put a whole series of things in place to try and mitigate some of the affects of this. We've put £8 million into the tenancy saver loan scheme. In particular, we've put £1.4 million funding, with my colleague Jane Hutt, into the early alert scheme for rent arrears and other debt in the private rented sector. That's delivered by Citizens Advice Cymru, who, with my colleague Hannah Blythyn, work alongside the credit unions to try and make sure that people have access to those kinds of both debt advice and finance. We've worked very hard with the social housing sector to get an early alert system in place where anyone's facing real financial difficulties during the pandemic. At the moment, we're not having reports from the social rented sector of people experiencing very high levels of rent arrears - you know, worse than usual. You're right to say that we are very alarmed by the UK Conservative Government's freezing of the local housing allowance at last year's rate, at 30 per cent. I'm pleased to see that they have at least kept it at 30 per cent of last year, although, obviously, you'll know that we think it should be at 50 per cent. Clearly, not having a year-on-year increase in that 30 per cent only drives people into the poorest of social housing. It's actually a mechanism for making sure that the people who are on benefits are in the worst housing that commands the least price. So, it's a very regressive thing to do anyway. And what bothers me is whether that's a taste of things to come, in that they'll freeze it at 30 per cent of 2019-20 prices for the next five years, which would be catastrophic for the sector. And then you rightly said that a lot of these things - the macro-economic levers for these - are not in our hands. So, the biggest issue here is the abysmal way that universal credit treats housing costs and the knock-on effect of that. So, obviously, we've been working hard to try to get the UK Conservative Government to understand the real impact on people of what happens if their housing costs are not covered. Obviously, we want to build a large amount of social housing, and we'll be pledging to do that in our manifesto, and I know other parties in the Senedd will be doing something similar, because the real answer here is to get the most in-need people into the social housing sector. But there is a real issue with a welfare system that does not support people to live in housing that's fit for purpose. The last thing I want to say on this is that, as the pandemic comes up to the anniversary of the first lockdown, we know that people who owe more than a year's rent never recover. So, once you owe more than a year's rent, it is absolutely impossible to recover from that debt situation. So, across the UK, we will have to look at a pandemic that results in enormous numbers of people having a debt that they simply cannot repay in their lifetime. We will need to look at that, going forward. But, Jenny, I don't have any easy answers to those very difficult questions today, only to assure you that we are looking into every single avenue that we can think of. And, as I always say, we aren't the repository of all good ideas, so anybody who has any good ideas for how we might deal with that, I'd be very grateful to hear from them.
Welsh: Diolch, Jenny. Yn anffodus, rydych yn llygad eich lle - mae'n debygol y bydd llawer o bobl yn cael anawsterau gwirioneddol i dalu rhent wrth i gyfnod y pandemig barhau. Mae ein swyddogion yn parhau i weithio'n agos gyda landlordiaid y sector preifat a'r sector cymdeithasol i fonitro'r sefyllfa ac i ddeall lle a sut y gallai fod angen mesurau lliniaru neu ymyriadau pellach a lle byddai'r rhain yn bosibl. Rydym wedi rhoi cyfres gyfan o bethau ar waith i geisio lliniaru rhai o effeithiau hyn. Rydym wedi rhoi £8 miliwn i'r cynllun benthyciad arbed tenantiaeth. Yn fwyaf arbennig, rydym wedi rhoi £1.4 miliwn o gyllid, gyda fy nghyd-Aelod, Jane Hutt, i'r cynllun rhybudd cynnar ar gyfer ôl-ddyledion rhent a dyledion eraill yn y sector rhentu preifat. Cyflwynir hynny gan Cyngor ar Bopeth Cymru, sydd, gyda fy nghyd-Aelod, Hannah Blythyn, yn gweithio ochr yn ochr â'r undebau credyd i geisio sicrhau bod pobl yn gallu cael gafael ar y mathau hynny o gyngor ar ddyledion a chyllid. Rydym wedi gweithio'n galed iawn gyda'r sector tai cymdeithasol i sefydlu system rhybudd cynnar lle mae unrhyw un yn wynebu anawsterau ariannol gwirioneddol yn ystod y pandemig. Ar hyn o bryd, nid ydym yn cael adroddiadau gan y sector rhentu cymdeithasol am bobl yn profi lefelau uchel iawn o ôl-ddyledion rhent - wyddoch chi, i raddau gwaeth na'r arfer. Rydych yn gywir i ddweud ein bod wedi cael ein dychryn yn fawr gan y ffaith bod Llywodraeth Geidwadol y DU wedi rhewi'r lwfans tai lleol ar gyfradd y llynedd, ar 30 y cant. Rwy'n falch o weld eu bod o leiaf wedi'i gadw ar 30 y cant fel y llynedd, er, yn amlwg, fe fyddwch yn gwybod ein bod yn credu y dylai fod yn 50 y cant. Yn amlwg, mae peidio â chael cynnydd i'r 30 y cant hwnnw o flwyddyn i flwyddyn yn gyrru pobl i'r tai cymdeithasol tlotaf. Mewn gwirionedd, mae'n fecanwaith ar gyfer sicrhau bod y bobl sydd ar fudd-daliadau yn y tai gwaethaf sy'n costio leiaf. Felly, mae'n beth atchwel iawn i'w wneud beth bynnag. Ac rwy'n poeni a yw'n awgrym o bethau i ddod, ac y byddant yn ei rewi ar 30 y cant o brisiau 2019-20 am y pum mlynedd nesaf, a fyddai'n drychinebus i'r sector. Ac yna fe ddywedoch chi'n gywir nad yw llawer o'r pethau hyn - yr ysgogiadau macro-economaidd ar gyfer y rhain - yn ein dwylo ni. Felly, y broblem fwyaf yma yw'r ffordd echrydus y mae credyd cynhwysol yn trin costau tai ac effaith ganlyniadol hynny. Felly, yn amlwg, rydym wedi bod yn gweithio'n galed i geisio cael Llywodraeth Geidwadol y DU i ddeall yr effaith wirioneddol ar bobl os nad yw eu costau tai'n cael eu talu. Yn amlwg, rydym eisiau adeiladu llawer iawn o dai cymdeithasol, a byddwn yn addo gwneud hynny yn ein maniffesto, a gwn y bydd pleidiau eraill yn y Senedd yn gwneud rhywbeth tebyg, oherwydd yr ateb go iawn yma yw cael y bobl fwyaf anghenus i mewn i'r sector tai cymdeithasol. Ond mae problem wirioneddol gyda system les nad yw'n cynorthwyo pobl i fyw mewn tai sy'n addas i'r diben. Y peth olaf rwyf eisiau ei ddweud am hyn, wrth iddi nesáu at fod yn flwyddyn ers dechrau'r pandemig a'r cyfyngiadau symud cyntaf, yw y gwyddom na fydd sefyllfa pobl sydd mewn dyled o fwy na blwyddyn o rent byth yn gwella. Felly, pan fyddwch mewn dyled o fwy na blwyddyn o rent, mae'n gwbl amhosibl ymadfer o ddyled o'r fath. Felly, ledled y DU, bydd yn rhaid inni edrych ar bandemig sy'n golygu bod gan niferoedd enfawr o bobl ddyled na allant ei had-dalu yn ystod eu hoes. Bydd angen inni edrych ar hynny wrth symud ymlaen. Ond Jenny, nid oes gennyf unrhyw atebion hawdd i'r cwestiynau anodd hynny heddiw, dim ond eich sicrhau ein bod yn ymchwilio i bob llwybr y gallwn feddwl amdano. Ac fel y dywedaf bob amser, nid oes gennym fonopoli ar syniadau da, felly byddwn yn falch iawn o glywed gan unrhyw un sydd ag unrhyw syniadau da ynglŷn â sut y gallem fynd i'r afael â hynny.