English: Can I thank the Member for his question? Again, I agree entirely, it can't just be a brass plaque on a building in Wrexham, it must have a fully-functioning operation there, with senior managers, and this point has been made repeatedly to Finance Wales and it will be reflected in August, when the location strategy is published. I've been assured that there will be senior management there and that board meetings will also be held at the headquarters. I think it's absolutely essential that all parts of Wales are given good, smooth, easy access to the support and facilities of the development bank, and the headquarters will be a key component of that, but, in addition, as I've already said, I think it's important that we look at other ways of enabling customers to access the development bank support, and that could be through co-location with Welsh Government or Business Wales support units. In terms of venture capital funds, this is a really interesting area of work, but I can say to the Member - and it was an interesting quote from his colleague in the City - when we sought competitive bids from fund management services there were actually instances where there were no other bidders except for Finance Wales. Now, the development bank of Wales business case states that investment management and support services for Welsh Government would be agreed on a case-by-case basis, depending on individual project requirements. So, this piece of work is ongoing. We will be able to review it. And in terms of the question of borrowing, there are many queries that we have examined, many considerations that we've looked into - considered whether loan guarantees that are being offered through the Scottish growth fund and export guarantees could be opened up, crucial for post-Brexit Wales. We've looked at whether there's an ability for the development bank to develop fractional-reserve banking, to become a deposit-taking institution. But, as I've said, the options for the bank are open and will be based on regular evaluations, annual remit letters, and, crucially, the work of the intelligence unit, which, as I said earlier, will examine exactly what those barriers are that micro, small and medium-sized enterprises face and how we can address them.
Welsh: A gaf i ddiolch i'r Aelod am ei gwestiwn? Eto, rwy'n cytuno'n llwyr, ni all fod yn blac pres yn unig ar adeilad yn Wrecsam, mae'n rhaid i'r lle fod yn hollol weithredol, gydag uwch reolwyr, ac mae'r pwynt hwn wedi cael ei wneud dro ar ôl tro i Gyllid Cymru a bydd yn cael ei adlewyrchu ym mis Awst, pan fydd y strategaeth leoli yn cael ei chyhoeddi. Rwyf wedi fy sicrhau y bydd uwch reolwyr yno ac y bydd cyfarfodydd bwrdd hefyd yn cael eu cynnal yn y pencadlys. Rwy'n credu ei bod yn gwbl hanfodol i bob rhan o Gymru gael rwydd hynt i gefnogaeth a chyfleusterau'r banc datblygu, a bydd y pencadlys yn elfen allweddol o hynny. Ond, hefyd, fel y dywedais eisoes, rwy'n credu ei bod yn bwysig ein bod yn ystyried ffyrdd eraill o alluogi cwsmeriaid i gael cefnogaeth banc datblygu, a gallai hynny fod trwy gydleoli gydag unedau cymorth Llywodraeth Cymru neu Fusnes Cymru. O ran cronfeydd cyfalaf menter, mae hwn yn faes gwaith diddorol iawn, ond gallaf ddweud wrth yr Aelod - a dyfyniad diddorol oedd hwnnw gan ei gydweithiwr yn y Ddinas - pan oeddem ni'n chwilio am geisiadau cystadleuol gan wasanaethau rheoli cronfeydd cafwyd rhai achosion lle nad oedd unrhyw gynigwyr eraill heblaw am Gyllid Cymru. Yn awr, mae achos busnes banc datblygu Cymru yn nodi y cytunir ar wasanaethau rheoli a chefnogi buddsoddiad ar gyfer Llywodraeth Cymru fesul achos, yn dibynnu ar ofynion y prosiect unigol. Felly, mae'r gwaith yn parhau. Byddwn yn gallu ei adolygu. Ac o ran cwestiwn benthyca, rydym wedi edrych yn fanwl ar lawer o ymholiadau ac ar lawer o ystyriaethau - wedi ystyried a allai gwarantau benthyciadau sydd yn cael eu cynnig drwy gronfa dwf yr Alban a gwarantau allforio gael eu llacio, sy'n hanfodol ar gyfer Cymru ôl Brexit. Rydym wedi ystyried a oes modd i'r banc datblygu feithrin bancio cronfa wrth gefn ffracsiynol, er mwyn bod yn sefydliad sy'n cymryd adnau. Ond, fel y dywedais, mae'r dewisiadau yn agored ar gyfer y banc a byddan nhw'n seiliedig ar werthusiadau rheolaidd, llythyrau blynyddol cylch gwaith, ac, yn hollbwysig, bydd gwaith yr uned wybodaeth, sydd, fel y dywedais yn gynharach, yn craffu ar beth yn union yw'r rhwystrau hynny sy'n wynebu mentrau micro, bach a chanolig eu maint a sut y gallwn fynd i'r afael â nhw.