English: Yes, I'm happy to go first. I think that it's important to note at the outset - you will have heard this before, I'm sure, and know this - that this draft budget is a little more of a draft than we're used to seeing. There are more gaps in it. To a certain extent, a lot of the support for business is some of the parts where it's not very clear where the pots of funding will come and when they will come. There's more uncertainty there than anywhere else. So, to a certain extent, the evidence that we've presented to you takes that into consideration, and it's important to note therefore that it does make sense and we agree - I'm not sure what the Welsh word for 'prudent' is - that it is prudent to leave some scope to be able to change things until March in this context. However, it's important to note that even though there is uncertainty, that doesn't mean that that's a reason to have some kind of inertia over the coming months. It's more important, if anything, to try and manage that uncertainty and try to have some scenarios in place, perhaps, for businesses over the next couple of months, because as we mention in relation to a lot of things across a range of subjects, a good lead-in is very important for small businesses in particular. Now, if you're thinking about reopening, businesses will have to start thinking about when they do that. They need some kind of warm-up period to have the ability to take advantage of any reopening. They need to know the scenarios and what will happen in each scenario with their business in that situation. Very often, people would now be trying to plan for the Easter period; it's not very easy to do that at present, and that's very understandable. But people would need to think about their stock and their supply chains, and they'd need to think about their staff - how to recruit, and so forth - and it's important to note that one example there would be if furlough comes to an end at the end of April, people are going to have to think about redundancies as well a month and a half before that. So, we're talking about mid March there, so that people can plan accordingly. So, that's the issue that we're focusing on, and we understand that there is uncertainty in that context. Certainly, there is uncertainty about how much funding will come to the Welsh Government next year. Under that, it's more uncertain still when the business support will come and how much it'll be, because it does depend, of course, on what happens in England. So, we do understand that but it is important, however, to try to plan as soon and as much as possible in order to allow businesses to make their own plans to reopen, and to take advantage of any bounce that will happen as we're able to open up a little.
Welsh: Ie, dwi'n hapus i fynd gyntaf. Dwi'n meddwl ei bod hi'n bwysig nodi ar y cychwyn - mae'n siŵr y byddwch chi wedi clywed hyn ac yn gwybod hyn - fod y draft budget yma ychydig bach yn fwy o ddrafft nag ydyn ni wedi arfer efo fo. Mae yna fwy o gaps yna. I ryw raddau, lot o'r ochr gefnogaeth i fusnes ydy, fwy na thebyg, rhai o'r darnau sydd efallai lle dydy hi ddim yn glir iawn lle fydd y potiau o bres yn dod, pryd fyddan nhw'n dod. Mae yna fwy o ansicrwydd yn fanna nag yn nunlle, mae'n siŵr. Felly, i ryw raddau, mae'r dystiolaeth rydyn ni wedi ysgrifennu i chi yn cymryd i ystyriaeth hynny, ac mae'n bwysig nodi felly ei bod hi'n gwneud synnwyr ac rydyn ni wedi cytuno ei bod hi - beth ydy'r gair Cymraeg, dwi ddim yn siŵr - yn prudent i fod yn gadael dipyn o le i fedru newid pethau at fis Mawrth yn fan hyn. Serch hynny, mae'n bwysig nodi dwi'n meddwl er bod yna ansicrwydd, dydy hynna ddim yn meddwl bod hynna'n rheswm i gael rhyw inertia dros y misoedd nesaf. Mae hi wir yn fwy pwysig, os rhywbeth, i drio rheoli yr ansicrwydd yna, ceisio cael ychydig o senarios mewn lle, efallai, i fusnesau dros y mis neu ddau nesaf, achos fel rydyn ni'n sôn yn lot o bethau ac ar draws bob mathau o bynciau, dwi'n meddwl, mae lead-in eithaf da yn hollbwysig i fusnesau bach yn benodol. Rŵan, os ydych chi'n meddwl am ailagor, mi fydd angen i fusnesau ddechrau meddwl ynglŷn â phryd maen nhw'n gwneud. Maen nhw angen amser fel rhyw fath o warm-up i gyrraedd y gallu i gymryd mantais o unrhyw ailagor. Maen nhw'n mynd i orfod gwybod y senarios o beth fydd yn digwydd ym mha senario efo'u busnes nhw yn y sefyllfa yna. Yn aml, rŵan fuasai pobl yn ceisio cynllunio, wrth gwrs, ar gyfer y Pasg; dydy o ddim yn hawdd iawn gwneud hynny ar hyn o bryd, ac mae hynny yn hollol ddealladwy. Ond mi fuasai pobl angen meddwl am eu stoc a'u supply chain, mi fuasen nhw angen meddwl am weithwyr - sut i recriwtio, ac yn y blaen - ac mae'n bwysig nodi mai un esiampl yn fanna, efallai, fuasai os ydy ffyrlo yn dod i ben diwedd Ebrill, bydd pobl yn mynd i orfod meddwl am redundancies hefyd yn y mis a hanner cyn hynny. So, rydyn ni'n sbïo ar ganol mis Mawrth yn fanna i bobl fedru 'plan-io'. Felly, hwnna ydy'r mater sydd o dan sylw i ni, ac rydyn ni'n dallt fod yna ansicrwydd yn fanna. Yn amlwg, mae yna ansicrwydd am faint o bres fydd actually yn dod i Lywodraeth Cymru yn y flwyddyn nesaf. O dan hynny, mae o'n fwy ansicr fyth pryd fydd cefnogaeth i fusnes yn dod, faint fydd o, achos, wrth gwrs, mae'n ddibynnol ar beth sy'n digwydd yn Lloegr. Felly, rydyn ni'n dallt hynny ond mae'n bwysig, serch hynny, i geisio cynllunio cyn gynted a chyn gymaint â phosibl er mwyn galluogi busnesau i wneud eu cynlluniau hwy i agor i fyny a cheisio cymryd mantais o unrhyw fowns fydd yn digwydd wrth i ni fedru agor i fyny ychydig.