English: Yes. So, just to be clear on the loan, I'm not talking about loaning it to the residents; I'm talking about loaning it to the developers, because some of them are saying that they can't afford it. So, I agree with that, but we've got to work through the system. So, I completely agree with you that the people who are actually resident should not be paying for it, just to be clear. But that's really complicated, because we can't trace them all, some of them have passed on the managing companies through three or four iterations, and there's one in my patch in Swansea where everybody's gone bankrupt in sight. They're really complex issues to work through. But just to be clear, I am trying to make sure that the residents are not the people who end up footing the bill for that. So, I completely agree that they should not be although, actually, getting a fault remedied is also very important, so we'll be bringing forward that, but I take the principle of that certainly on board. On the tax windfall, I have absolutely no idea, but I'm very happy to undertake to speak with my colleague Rebecca Evans about whether such a thing would be possible in Wales, but I certainly take your point. One of the difficulties is that people set up single-purpose vehicle companies to build these things, and so the holding company - the one that's making all the profit - is often not the one that's on the hook locally. In responding to David Melding, I should have said that that's one of the complexities of the legal system, because trying to establish a contract between yourself and the ultimate holding company can be really complicated. It's one of the things that our system will have to overcome when we do put it into place; it's just immensely complicated who holds the existing thing. And that's the other issue on the planning thing; I absolutely have a lot of sympathy with the idea that previous reputation should be allowed to be taken into account, but it's just so easy to make a single-purpose vehicle company to do that. So, it is about tracing individuals through the system as well as company names. So, whilst I accept the principle of that, in practice, that's also very problematic to do. But I do take the principle points, which we will certainly be looking at. Professional regulations for builders: I've already had several conversations with professional bodies around us doing that. They are very keen that a regime should be in place right across Britain because a lot of them work across boundaries and so on. I'm very keen to pursue that. If the UK Government doesn't take it forward, though, we are very keen to look at what can be done here in Wales. And that goes for the whole chain: so, estate agents as well, managing agents, and the professional bodies for builders. But the profession itself is very keen that we don't put more barriers in the place of people who are often already on poor zero-hours contracts and all that kind of stuff. So, there's a lot of complexity for that. But they are also sympathetic to the idea that, you know, I can walk out of a building, call myself a carpenter and set myself up, and clearly would have not the faintest idea of how to do that, just to be clear. So, I've got a lot of sympathy with what you're saying. What I'd like to do, Llywydd, is keep people in touch with our thinking as it develops, and when we put the White Paper out, to continue to have that policy conversation about the practical implications of some of the principles that I think are shared across the Chamber as to what we'd like to see.
Welsh: Gwnaf. Felly, er mwyn bod yn glir o ran y benthyciad, nid wyf yn sôn am roi benthyg i'r trigolion; rwy'n sôn am roi benthyg i'r datblygwyr, gan fod rhai ohonynt yn dweud na allant ei fforddio. Felly, rwy'n cytuno â hynny, ond mae'n rhaid i ni weithio drwy'r system. Felly, rwy'n cytuno'n llwyr â chi na ddylai'r preswylwyr fod yn talu amdano, dim ond i fod yn glir. Ond mae hynny'n hynod o gymhleth, oherwydd ni allwn ni eu holrhain i gyd, mae rhai ohonyn nhw wedi trosglwyddo'r cwmnïau rheoli drwy dri neu bedwar iteriad, ac mae un yn fy ardal i yn Abertawe lle mae pawb dan haul wedi mynd yn fethdalwyr. Maen nhw'n faterion cymhleth iawn i'w hymdrin â nhw. Ond i fod yn glir, rwy'n ceisio sicrhau nad y trigolion yw'r bobl sy'n gorfod talu'r bil yn y pen draw. Felly, cytunaf yn llwyr na ddylen nhw fod yn gorfod gwneud hynny, er mewn gwirionedd, mae'n bwysig iawn sicrhau bod pethau'n cael eu hunioni hefyd, felly byddwn ni'n cyflwyno hynny, ond yn sicr, rwyf yn ystyried yr egwyddor honno. O ran y dreth ar hap, nid oes gennyf unrhyw syniad o gwbl, ond rwy'n fwy na pharod i ymrwymo i siarad â'm cyd-Aelod Rebecca Evans ynghylch a fyddai'r fath beth yn bosib yng Nghymru, ond rwyf yn sicr yn derbyn eich pwynt. Un o'r anawsterau yw bod pobl yn sefydlu cwmnïau cyfrwng un diben i adeiladu'r pethau hyn, ac felly, yn aml iawn, nid y cwmni daliannol - yr un sy'n gwneud yr elw i gyd - yw'r un sy'n atebol yn lleol. Wrth ymateb i David Melding, dylwn i fod wedi dweud bod hynny'n un o gymhlethdodau'r system gyfreithiol, oherwydd gall ceisio sefydlu contract rhyngoch chi a'r cwmni daliannol terfynol fod yn gymhleth iawn. Mae'n un o'r pethau y bydd yn rhaid i'n system ni ei oresgyn pan fyddwn ni'n ei sefydlu; mae'n hynod o gymhleth pwy sy'n gyfrifol am yr adeilad sy'n bodoli. A dyna'r mater arall ynghylch y peth cynllunio; mae gennyf i lawer o gydymdeimlad â'r syniad y dylid caniatáu i enw da blaenorol gael ei ystyried, ond mae mor hawdd sefydlu cwmni cyfrwng un diben i wneud hynny. Felly, mae'n ymwneud ag olrhain unigolion drwy'r system yn ogystal ag enwau cwmnïau. Felly, er fy mod yn derbyn egwyddor hynny, yn ymarferol, mae hynny hefyd yn broblematig iawn i'w wneud. Ond rwyf yn derbyn y prif bwyntiau, ac yn sicr, byddwn ni'n edrych arnyn nhw. Rheoliadau proffesiynol ar gyfer adeiladwyr: rwyf i eisoes wedi cael sawl sgwrs gyda chyrff proffesiynol ynghylch ein bod yn gwneud hynny. Maen nhw'n awyddus iawn i sefydlu cyfundrefn ledled Prydain gan fod llawer ohonyn nhw'n yn gweithio ar draws ffiniau ac yn y blaen. Rwy'n awyddus iawn i fynd ar drywydd hynny. Os na fydd Llywodraeth y DU yn bwrw ymlaen â'r gwaith, rydym ni'n awyddus iawn i edrych ar yr hyn y gellir ei wneud yma yng Nghymru. Ac mae hynny'n wir am y gadwyn gyfan: felly, gwerthwyr tai yn ogystal, asiantau rheoli, a'r cyrff proffesiynol ar gyfer adeiladwyr. Ond mae'r proffesiwn ei hun yn awyddus iawn nad ydym ni'n rhoi mwy o rwystrau o flaen pobl sydd eisoes yn aml ar gontractau gwael dim oriau a phethau felly. Felly, mae llawer o gymhlethdod o ran hynny. Ond maen nhw hefyd yn cydymdeimlo â'r syniad, wyddoch chi, y byddwn yn gallu cerdded allan o adeilad, galw fy hun yn saer coed a sefydlu fy hun, ac yn amlwg ni fyddai gennyf i'r syniad lleiaf o sut i wneud hynny, dim ond i fod yn glir. Felly, mae gen i lawer o gydymdeimlad â'r hyn yr ydych chi'n ei ddweud. Yr hyn yr hoffwn ei wneud, Llywydd, yw cadw pobl mewn cysylltiad â'n syniadau wrth iddynt ddatblygu, a phan gyhoeddwn ni'r Papur Gwyn, i barhau i gael y sgwrs bolisi honno am oblygiadau ymarferol rhai o'r egwyddorion sydd yn fy nhyb i yn cael eu rhannu ar draws y Siambr ynghylch yr hyn yr hoffem ni ei weld.