English: I think however we look at it, the experience we're going through at the moment is a turning point in our history. There will be lives that will never be the same again, families who are grieving, people facing long-term health challenges, and the change has touched upon everything - the way that services are delivered, the way that Government works, even. Of course, the economic impact is immense, and much of that impact is entirely negative - companies going bust, individuals losing their jobs and families losing income. But somehow, out of all of this, we do have to search for those elements that could become positives from this deep rut that we have found ourselves in. We know what some of them are. We've heard reference to some of them, the working at home revolution, doctors holding remote surgeries, the realisation that you don't have to jump into the car quite so often, and the enthusiasm that's created for being greener. But there is an opportunity here to look at our whole economic future, and I'm not just talking about rebuilding and recreating what we had; I am talking about coming back stronger and better, and what Plaid Cymru has today is a plan to establish and start that work. The two first clauses mention practical steps to assist some of those who have been hardest hit, including young people - Helen Mary Jones has already mentioned those. The third, and we'll hear Delyth Jewell discussing this, is a reference to our belief that the establishment of a citizens' assembly would enable the people of Wales to contribute meaningfully to this work that we're facing. I want to focus on the last clause and the establishment of an all-Wales renewal fund worth billions of pounds. Helen has mentioned many elements of what we'd like to do with it, but just bear in mind that this would just be the beginning of the long-term investment that we need. And those among you who have been listening will know that Plaid Cymru have been asking for many years for investment in the future of our country, and the austerity policies of the UK Government went entirely contrary to what was needed. We needed investment; we still need investment more than anything, following this pandemic. We need to invest in our infrastructure, in healthy and green homes, in public transport, digital connectivity, innovative energy projects, in higher education and research, and social infrastructure, too. We're talking about a programme to transform our nation that will create returns - financial returns to pay off these debts and also social returns that we and our children, and their children, could benefit from. This is the time to do this. We can borrow at very low rates, we could look at alternative ways of funding projects - bonds and so on. But we would need new fiscal powers and new flexibilities in order to allow this to happen: to raise the current borrowing cap, for example, from the current £1 billion to, I would say, around £5 billion, allowing the front-loading of that so that we can commence the work in earnest. I think the Minister for Finance would agree that we need other flexibilities in terms of the ability to draw down reserves and, of course, the Barnett formula needs to be scrapped and funding should happen on the basis of need. I will conclude my comments by saying this: we must also, as we heard from Helen, have a mature debate as to how we pay for these investments and for the kinds of public services that we want to see. From reviewing priorities - and Mike Hedges has mentioned some of his own priorities - I'm very confident that we could, within current budgets, repay borrowing, as we've heard, because the cost of borrowing is so very low at the moment. We've recalled during this period just how valuable services such as health and care are, but whilst we want the best possible care services, for too long we've wanted to pay less and less for those services, and we can't square that circle forever. I attended a virtual conference at the beginning of this pandemic - it feels like a lifetime ago now, but it was a conference organised by the Institute of Welsh Affairs: 'Rethinking Wales'. And that's exactly what we need to do. We need to rethink how we do things and what we're trying to deliver, and, yes, how we pay for those things. I get the feeling that very many of us, and many of us in this Senedd, hopefully, do want to press the reboot button, as Plaid Cymru's paper says, or 'reset', as a new non-party group that has been launched this week has said.
Welsh: Dwi'n meddwl sut bynnag dŷn ni'n edrych arno fo, mae'r profiad rydyn ni'n byw trwyddo fo ar hyn o bryd yn drobwynt yn ein hanes ni. Mae yna fywydau fydd byth yr un fath eto, teuluoedd sy'n galaru, pobl sy'n wynebu heriau iechyd hirdymor. Mae'r newid wedi cyffwrdd ar bopeth, wrth gwrs - y ffordd mae gwasanaethau yn cael eu delifro a sut mae'r Llywodraeth yn gweithio, hyd yn oed. Wrth gwrs, mae'r impact economaidd yn enfawr, a llawer o'r impact yn gwbl negyddol - cwmnïau yn mynd i'r wal, unigolion yn colli swyddi, teuluoedd yn colli incwm. Ond rhywsut, allan o hyn, mae'n rhaid i ni chwilio am yr elfennau a allai dyfu yn bositif allan o'r hafn ddofn yma rydyn ni wedi canfod ein hunain ynddi hi. Rydyn ni'n gwybod beth ydy rhai ohonyn nhw; rydyn ni wedi clywed rhai y prynhawn yma: chwyldro mewn gweithio o gartref, meddygon yn cynnal surgeries o bell, a sylweddoli bod dim angen neidio i'r car gymaint, a'r chwilfrydedd mae hynny wedi'i greu mewn bod yn fwy gwyrdd. Ond mae yna gyfle yma i edrych yn wirioneddol ar ein holl ddyfodol economaidd, a dwi ddim jest yn sôn am ailadeiladu, ailgreu beth oedd gennym ni; dwi'n sôn am ddod yn ôl yn gryfach. A beth sydd gan Blaid Cymru heddiw ydy cynnig am gynllun i ddechrau'r gwaith hwnnw. Mae dau gymal cyntaf y cynnig yn sôn am gamau ymarferol i helpu rhai o'r rheini sydd wedi cael eu taro'n galetaf, yn cynnwys pobl ifanc - mae Helen Mary Jones wedi sôn am y rheini. Mae'r trydydd cymal, ac fe glywn ni Delyth Jewell yn sôn amdano fe, yn gyfeiriad at ein cred ni y byddai sefydlu cynulliad dinasyddion yn galluogi pobl Cymru i gyfrannu go iawn at y gwaith yma sydd o'n blaenau ni. Dwi am ganolbwyntio ar y cymal olaf a'r galw yma am sefydlu cronfa adnewyddu Cymru-gyfan, gwerth biliynau o bunnau. Mae Helen wedi sôn am y gwahanol elfennau o'r hyn y buasem ni eisiau ei wneud efo fo, ond cofiwch mai dim ond dechrau'r buddsoddiad hirdymor sydd ei angen ydy hyn, a bydd y rhai mwy sylwgar yn eich plith chi yn gwybod bod Plaid Cymru wedi galw yn gyson ers blynyddoedd am fuddsoddi yn sylweddol rŵan yn nyfodol ein gwlad ni. Mi oedd polisïau llymder Llywodraeth Prydain yn gwneud yn gwbl groes i beth oedd ei angen. Buddsoddiad oedd ei angen; buddsoddiad sydd ei angen, yn fwy nag erioed rŵan, yn dilyn y pandemig yma - buddsoddi yn ein seilwaith ni, mewn cartrefi iach a gwyrdd, buddsoddi mewn trafnidiaeth gyhoeddus, cysylltedd digidol, mewn prosiectau ynni arloesol, mewn addysg uwch ac ymchwil, ac isadeiledd cymdeithasol hefyd. Rydym ni'n sôn am raglen i drawsnewid ein gwlad a fydd yn creu returns - returns ariannol i dalu'r benthyciadau yma yn ôl, a returns hefyd mwy cymdeithasol y gallwn ni a'n plant ni, a'u plant nhwythau elwa ohonyn nhw. A dyma'r amser i wneud. Mae modd benthyg yn rhyfeddol o rad, mae modd edrych ar ddulliau amgen o gyllido prosiectau hefyd - bondiau ac ati. Ond mi fydd angen pwerau ffisgal newydd a hyblygrwydd newydd er mwyn galluogi hyn: codi'r cap benthyg presennol, er enghraifft, o'r £1 biliwn presennol i, buaswn i'n dweud, o gwmpas £5 biliwn i ganiatáu 'front loadi-o' hwnnw, er mwyn gallu dechrau ar y gwaith o ddifrif. Dwi'n credu bod y Gweinidog Cyllid yn cytuno bod angen hyblygrwydd mewn ffyrdd eraill o ran y gallu i dynnu arian wrth gefn i lawr, ac, wrth gwrs, mae angen i fformiwla Barnett ddod i ben ac i gyllido digwydd ar sail angen. Mi wnaf i gwblhau fy sylwadau i drwy ddweud hyn: mae'n rhaid hefyd inni gael, fel y clywson ni gan Helen, drafodaeth aeddfed ynglŷn â sut dŷn ni'n talu am ein buddsoddiadau ac am y math o wasanaethau cyhoeddus dŷn ni eisiau. O ailedrych ar y flaenoriaethau - mae Mike Hedges wedi sôn am rai o'i rai fo - dwi'n hyderus iawn y gallwn ni, o fewn cyllidebau presennol, ad-dalu benthyciadau, fel dŷn ni wedi clywed amdanyn nhw, a hynny oherwydd bod cost benthyg yn isel ar hyn o bryd. Ond, dŷn ni wedi cofio rŵan, yn ystod y cyfnod yma, pa mor werthfawr ydy gwasanaethau fel iechyd a gofal. Ond, tra ein bod ni eisiau'r gwasanaethau gofal gorau posib, dyn ni, am yn rhy hir, wedi bod eisiau talu llai a llai amdanyn nhw, a does dim modd sgwario hynny am byth. Mewn cynhadledd rithiol tua dechrau'r pandemig yma - mae'n teimlo fel oes yn ôl - cynhadledd wedi ei threfnu gan y Sefydliad Materion Cymreig: 'Rethinking Wales' oedd y testun, a dyna yn union sydd angen ei wneud - ailfeddwl sut dŷn ni'n gwneud pethau, beth ydyn ni'n trio ei gyflawni ac, ie, sut dŷn ni'n talu amdanyn nhw. Dwi'n cael y teimlad bod lot ohonom ni, llawer ohonom ni yn y Senedd yma, gobeithio, sydd eisiau pwyso ' reboot ', fel y mae papur newydd Plaid Cymru yn ei ddweud, neu ' reset ', fel mae grŵp newydd amhleidiol dwi wedi ei weld yn cael ei lansio yr wythnos yma yn ei ddweud.