English: Well, Llywydd, Ken Skates makes a very important point in that contribution and, as a former Minister responsible for the economy here, I can see why he has wanted to highlight the fact that, while this Government struggles and fails to provide the sorts of help for people faced with a cost-of-living crisis, at the same time they are losing money hand over fist in some other schemes that they themselves have responsibility for. The £11 billion to which Ken Skates referred was highlighted only last week. The Chancellor was warned, time after time, that rising interest rates would have an impact upon his ability to service the £900 billion of reserves created by quantitative easing. He failed to take out those insurance measures and, as a result, he is spending £11 billion more than he would have otherwise have needed to do. Now, imagine what the £11 billion could have done in the lives of the people we have been talking about this afternoon. And when it comes to fraud from the bounce-back loan scheme, fraud is only a third of the loss that the UK Government itself say they now expect to make through that scheme. Five billion pounds lost directly in fraud, but £17 billion that the Government now does not expect to recover from those loans. Now, there are court cases, Llywydd, going through at the moment that show that those bounce-back loans, those fraudulent loans, were being used to pay for the purchase of private cars, for flying lessons, for pornography websites, and, in a case which is to be in front of the courts next month, a case where someone who obtained a bounce-back loan is alleged to have used it to fund terrorist activity by Islamic State terrorists in Syria. Five billion pounds, which, as we know, the National Audit Office says the Government has failed to take the necessary action to recover, and where the Government Minister, Lord Agnew, the anti-fraud Minister, resigned in January, describing his own Government's efforts to control that fraud as 'woeful'. Now, the point that Ken Skates makes, Llywydd, is this, isn't it: we have a Government who say that, in the fifth richest country in the world it's not possible to provide enough money for people to stay warm and to be fed during this coming winter, but have managed to contrive the loss of tens of billions of pounds in just two schemes that I've highlighted this afternoon.
Welsh: Wel, Llywydd, mae Ken Skates yn gwneud pwynt pwysig iawn yn y cyfraniad yna ac, fel cyn-Weinidog â chyfrifoldeb am yr economi yma, gallaf weld pam y mae wedi dymuno tynnu sylw at y ffaith, er bod y Llywodraeth hon yn ei chael hi'n anodd ac yn methu â darparu'r mathau o gymorth i bobl sy'n wynebu argyfwng costau byw, ar yr un pryd maen nhw'n colli arian fel y mwg mewn rhai cynlluniau eraill y mae ganddyn nhw eu hunain gyfrifoldeb drostyn nhw. Dim ond yr wythnos diwethaf y tynnwyd sylw at yr £11 biliwn y cyfeiriodd Ken Skates ato. Rhybuddiwyd y Canghellor, dro ar ôl tro, y byddai cyfraddau llog cynyddol yn cael effaith ar ei allu i wasanaethu'r £900 biliwn o gronfeydd wrth gefn a grëwyd drwy leddfu meintiol. Methodd â threfnu'r mesurau yswiriant hynny ac, o ganlyniad, mae'n gwario £11 biliwn yn fwy nag y byddai wedi gorfod ei wneud fel arall. Nawr, dychmygwch yr hyn y gallai'r £11 biliwn fod wedi ei wneud i fywydau'r bobl yr ydym wedi bod yn sôn amdanyn nhw y prynhawn yma. Ac o ran y mater o dwyll o'r cynllun benthyciadau adfer, dim ond traean o'r golled y mae Llywodraeth y DU ei hun yn dweud ei bod bellach yn disgwyl ei gwneud drwy'r cynllun hwnnw yw twyll. Collodd pum biliwn o bunnau yn uniongyrchol oherwydd twyll, ond £17 biliwn nad yw'r Llywodraeth yn disgwyl ei adennill o'r benthyciadau hynny mwyach. Nawr, mae achosion llys, Llywydd, yn mynd rhagddynt ar hyn o bryd sy'n dangos bod y benthyciadau adfer hynny, y benthyciadau twyllodrus hynny, yn cael eu defnyddio i dalu am geir preifat, ar gyfer gwersi hedfan, ar gyfer gwefannau pornograffi, ac, mewn achos sydd i fod o flaen y llysoedd y mis nesaf, achos lle yr honnir bod rhywun a gafodd fenthyciad adfer wedi ei ddefnyddio i ariannu gweithgaredd terfysgol gan derfysgwyr Gwladwriaeth Islamaidd yn Syria. Pum biliwn o bunnau, fel y gwyddom, y mae'r Swyddfa Archwilio Genedlaethol yn dweud y mae'r Llywodraeth wedi methu â chymryd y camau angenrheidiol i'w adennill, ac ymddiswyddodd Gweinidog y Llywodraeth, yr Arglwydd Agnew, y Gweinidog gwrth-dwyll, ym mis Ionawr, gan ddisgrifio ymdrechion ei Lywodraeth ei hun i reoli'r twyll hwnnw yn 'druenus'. Nawr, y pwynt y mae Ken Skates yn ei wneud, Llywydd, yw hyn, onid yw: mae gennym ni Lywodraeth sy'n dweud, yn y bumed wlad gyfoethocaf yn y byd, nad yw'n bosibl darparu digon o arian i bobl gadw'n gynnes a chael eu bwydo yn ystod y gaeaf nesaf, ond sydd wedi llwyddo i barhau i golli degau o filiynau o bunnau mewn dau gynllun yn unig yr wyf wedi tynnu sylw atyn nhw y prynhawn yma.