English: Thank you, Helen Mary, for reminding me of what you actually said, because what I was going to say in response to that is that older people already have access to complain to the older person's commissioner if they don't think that they're being treated fairly, as well as all the other ways in which we can all complain. I think I have some concerns that we're focusing on one particular group - one particular group that hasn't done as badly out of the austerity programme since 2010 as other people. The people who have most suffered from the austerity programme are children, who have no voice and very, very little power. So, I'm concerned about the balance of our approach, and as Darren Millar says, he thinks it would cost £1.75 million to implement, and I wonder if there aren't better ways of reshaping services to better meet people's needs than simply having new legislation. It's action we need, not words. If we need to put more money into older people's services, we're going to have to find ways of generating it. And I just wondered why the Holtham proposals are arguing that, if we're going to have social care free at the point of need, and free at the point of delivery, we are going to have to find another mechanism for putting more money into the system, because at the moment we simply don't pay people enough for doing the very important job they're doing. Unlike Helen Mary Jones, I have seen very good practice in my constituency. I've also seen examples of poor practice, and these have been dealt with by CIW, and they've been closed down as a result. That's how it should be. But I think that it's a disgrace that we don't pay people more, but I think that we need to address why we aren't putting more money into the system as a society to ensure that older people have an excellent old age. Some people will choose to go into a residential nursing home, or a residential home, but others will want to stay in their own home, and that is where I would like to see a great deal more focus. So, in terms of what Caroline was saying about car insurance companies discriminating against older people - you know, these are private companies. They will endeavour to charge the maximum that they can get away with, and people need to challenge them and try and go elsewhere. Older people don't all come in the same shapes and sizes. Some older people are perfectly capable of arguing their case, just as some younger people are very inadequate at arguing their case. I'll take the intervention -
Welsh: Diolch i chi, Helen Mary, am fy atgoffa o'r hyn a ddywedoch chi mewn gwirionedd, gan fy mod yn mynd i ddweud mewn ymateb i hynny fod gan bobl hŷn ffordd eisoes o gwyno i'r comisiynydd pobl hŷn os nad ydynt yn credu eu bod yn cael eu trin yn deg, yn ogystal â'r holl ffyrdd eraill y gall pawb ohonom gwyno. Credaf fod gennyf bryderon ein bod yn canolbwyntio ar un grŵp penodol - un grŵp arbennig nad yw wedi gwneud mor wael â phobl eraill yn sgil y rhaglen gyni ers 2010. Y bobl sydd wedi dioddef fwyaf o'r rhaglen gyni yw plant, nad oes ganddynt unrhyw lais a fawr iawn o bŵer. Felly, rwy'n pryderu am gydbwysedd ein dull o weithredu, ac fel y dywed Darren Millar, mae'n credu y byddai'n costio £1.75 miliwn i'w weithredu, ac rwy'n meddwl tybed onid oes ffyrdd gwell o ailffurfio gwasanaethau i ddiwallu anghenion pobl yn well na chael deddfwriaeth newydd. Gweithredu sydd ei angen arnom, nid geiriau. Os bydd angen inni roi mwy o arian tuag at wasanaethau pobl hŷn, rydym yn mynd i orfod canfod ffyrdd o'i gynhyrchu. A pham fod cynigion Holtham yn dadlau, os ydym yn mynd i gael gofal cymdeithasol am ddim lle y mae ei angen, ac am ddim lle y caiff ei ddarparu, bydd yn rhaid inni ddod o hyd i fecanwaith arall ar gyfer rhoi mwy o arian yn y system, oherwydd ar hyn o bryd nid ydym yn talu digon i bobl am wneud y gwaith pwysig iawn y maent yn ei wneud. Yn wahanol i Helen Mary Jones, rwyf wedi gweld arferion da iawn yn fy etholaeth. Rwyf hefyd wedi gweld enghreifftiau o arferion gwael, ac ymdriniwyd â'r rheini gan Arolygiaeth Gofal Cymru, ac maent wedi cael eu cau o ganlyniad. Dyna sut y dylai fod. Ond credaf ei bod yn warth nad ydym yn talu mwy i bobl, ac rwy'n credu bod angen inni fynd i'r afael â pham nad ydym yn rhoi mwy o arian yn y system fel cymdeithas i sicrhau bod pobl hŷn yn cael henaint rhagorol. Bydd rhai pobl yn dewis mynd i gartref nyrsio preswyl, neu gartref preswyl, ond bydd eraill yn dymuno aros yn eu cartref eu hunain, a dyna lle yr hoffwn weld llawer iawn mwy o ffocws. Felly, o ran yr hyn roedd Caroline yn ei ddweud ynglŷn â chwmnïau yswiriant car yn gwahaniaethu yn erbyn pobl hŷn - wyddoch chi, cwmnïau preifat yw'r rhain. Byddant yn ymdrechu i godi'r uchafswm y gallant lwyddo i'w gael, ac mae angen i bobl eu herio a cheisio mynd i rywle arall. Nid yw pob person hŷn yr un fath. Mae rhai pobl hŷn yn berffaith abl i ddadlau eu hachos, fel y mae rhai pobl iau yn methu dadlau eu hachos yn dda. Fe gymeraf ymyriad -