English: Thank you, David, and I very much value the cross-party way we've been able to work in this regard. I do think that the plan for Wales is one that we broadly share across all parties in Wales, and that's one of the reasons we've been able to do what we've been able to do because we've been collaborative across all sectors. And it does really prove what we can do when we work together. But there are some concerns. Obviously, rent arrears is one of them. One of the things that I agreed with our social housing partners in Wales when we agreed the rent policy for social housing in Wales - seems like a decade ago but was only actually about 13 weeks ago - was that they would not evict people into homelessness for rent arrears or any other thing. We'd just started to put that plan in action when the lockdown came. We are continuing to work with our registered social landlords and our councils to make sure that that plan stays in place. And as part of that plan, what we will be doing is ensuring that any tenant who faces rent arrears and would be facing an eviction path as a result of that - and there are various complexities in the law I know you're well familiar with, but there's a mandatory ground for eviction, and so on; some complexities I won't go into here - that we work with those tenants, in a pre-action protocol, so that, before any eviction processes can be contemplated, a full understanding of that person's financial circumstances are undertaken and what their ability to repay any arrears looks like and what their ability to sustain their tenancy looks like, and any help that can be given with that, including in certain circumstances for social landlords in Wales write-off of the rent arrears in particular individual circumstances. I want to emphasise that that's not a blanket policy, for obvious public policy reasons, but we want to understand how each individual has ended up where they've ended up, and to understand what support they would need to get back into credit. And that would of course include repayment over two years, and so on - I agree that that's certainly amongst the mix of things that would need to be looked at. You're quite right, of course, in saying that we await the Master of the Rolls' decision on whether that pre-action protocol will be put in place for private sector rent evictions. We've made our views very clear to the UK Government, and I remain very hopeful that that will be a course of action that will occur. And, in any event, we will be working very hard with our registered landlords here in Wales - as you know, we have a very good relationship with them, and we're in contact with them in a way that is unique; because of Rent Smart Wales, we know who everybody is - to put a voluntary pre-action protocol in place, even if the court doesn't put a mandatory one in place, so that the vast majority of tenants will receive that service anyway. I was very interested to hear what you said about not understanding sources of support. I'm quite surprised by that - I'd like to see where that came from. And we'd certainly like to take that up with our councils and registered social landlords, because it's very much part of the way that we oversee their activity - that they provide that kind of targeted tenant support, that should mean that their tenants do know where that support comes from. So, I'd be really grateful to have a look in more detail at the information you have there, to find out what we can do to put that right.
Welsh: Diolch, David, ac rwy'n gwerthfawrogi'n fawr y ffordd drawsbleidiol yr ydym ni wedi gallu gweithio yn hyn o beth. Rwyf i yn credu bod y cynllun i Gymru yn un yr ydym ni'n ei rannu'n fras ar draws pob plaid yng Nghymru, a dyna un o'r rhesymau yr ydym ni wedi gallu gwneud yr hyn yr ydym ni wedi gallu ei wneud oherwydd ein bod ni wedi cydweithio ar draws pob sector. Ac mae wir yn profi yr hyn yr ydym ni'n gallu ei wneud trwy weithio gyda'n gilydd. Ond mae rhai pryderon. Yn amlwg, mae ôl-ddyledion rhent yn un ohonyn nhw. Un o'r pethau yr oeddwn i'n cytuno â'n partneriaid tai cymdeithasol yng Nghymru pan wnaethom ni gytuno ar y polisi rhenti ar gyfer tai cymdeithasol yng Nghymru - mae'n teimlo fel degawd yn ôl ond dim ond rhyw 13 wythnos yn ôl oedd hi - oedd na fydden nhw'n troi pobl allan i fod yn ddigartref oherwydd ôl-ddyledion rhent nac unrhyw beth arall. Roeddem ni newydd ddechrau rhoi'r cynllun hwnnw ar waith pan ddaeth y cyfyngiadau symud. Rydym ni'n dal i weithio gyda'n landlordiaid cymdeithasol cofrestredig a'n cynghorau i sicrhau bod y cynllun hwnnw'n parhau i fod ar waith. Ac yn rhan o'r cynllun hwnnw, yr hyn y byddwn ni'n ei wneud yw sicrhau bod unrhyw denant sy'n wynebu ôl-ddyledion rhent ac a fyddai'n wynebu llwybr troi allan o ganlyniad i hynny - ac mae amryw o gymhlethdodau yn y gyfraith yr wyf i'n gwybod eich bod yn gyfarwydd â nhw, ond mae yna sail orfodol ar gyfer troi allan, ac yn y blaen; rhai cymhlethdodau, ni fyddaf yn mynd i fanylder yn y fan yma - ein bod ni'n gweithio gyda'r tenantiaid hynny, mewn protocol cyn gweithredu, er mwyn sicrhau, cyn y gellir ystyried unrhyw brosesau troi allan, y sicrheir dealltwriaeth lawn o amgylchiadau ariannol y person hwnnw a beth yw ei allu i ad-dalu unrhyw ôl-ddyledion a beth yw ei allu i gynnal y denantiaeth, ac unrhyw gymorth y gellir ei roi yn hynny o beth, gan gynnwys, o dan rai amgylchiadau, i landlordiaid cymdeithasol yng Nghymru ddileu'r ôl-ddyledion rhent yn arbennig mewn amgylchiadau penodol unigol. Hoffwn i bwysleisio nad yw hynny'n bolisi cyffredinol, am resymau amlwg yn ymwneud â pholisi cyhoeddus, ond rydym ni'n dymuno deall sut y mae pob unigolyn wedi cyrraedd y sefyllfa y maen nhw ynddi, a deall pa gymorth y byddai ei angen arno i ddychwelyd i gredyd. A byddai hynny, wrth gwrs, yn cynnwys ad-dalu dros ddwy flynedd, ac yn y blaen - rwy'n cytuno bod hynny'n sicr ymhlith y cymysgedd o bethau y byddai angen eu hystyried. Rydych chi yn llygad eich lle, wrth gwrs, wrth ddweud ein bod ni'n aros am benderfyniad Meistr y Rholiau ynghylch a fydd y protocol cyn gweithredu hwnnw yn cael ei roi ar waith ar gyfer achosion troi allan yn y sector preifat. Rydym ni wedi mynegi ein barn yn glir iawn i Lywodraeth y DU, ac rwy'n dal yn obeithiol iawn y bydd hynny'n gam gweithredu a fydd yn digwydd. A, beth bynnag, byddwn yn gweithio'n galed iawn gyda'n landlordiaid cofrestredig yma yng Nghymru - fel y gwyddoch chi, mae gennym ni berthynas dda iawn â nhw, ac rydym ni mewn cysylltiad â nhw mewn ffordd sy'n unigryw; oherwydd Rhentu Doeth Cymru, rydym ni'n gwybod pwy yw pawb - i roi protocol cyn gweithredu gwirfoddol ar waith, hyd yn oed os nad yw'r llys yn rhoi un gorfodol ar waith, fel y bydd y mwyafrif helaeth o denantiaid yn cael y gwasanaeth hwnnw beth bynnag. Yr oedd yn ddiddorol iawn clywed yr hyn a ddywedasoch chi am beidio â deall ffynonellau cymorth. Rwy'n synnu braidd at hynny - hoffwn i weld o ble y daeth hynny. Ac yn sicr, hoffem ni godi hynny gyda'n cynghorau a'n landlordiaid cymdeithasol cofrestredig, oherwydd mae'n sicr yn rhan bwysig o'r ffordd yr ydym yn goruchwylio eu gweithrediadau - eu bod nhw'n darparu'r math hwnnw o gymorth tenantiaid wedi ei dargedu, a ddylai olygu bod eu tenantiaid yn gwybod o ble y mae'r cymorth hwnnw yn dod. Felly, byddwn i'n ddiolchgar iawn o gael golwg manylach ar yr wybodaeth sydd gennych chi yn y fan yna, i gael gwybod beth y gallwn ni ei wneud i unioni'r sefyllfa.