English: Firstly, I agree entirely with him about the need for young people to be financially educated. I think part of the problem is that money, despite what happened in 2008, still appears to be freely available in a way that it wasn't when I was younger, when loans were not as freely available as they are now. In the days when - well, my first car loan carried an interest rate of 29 per cent; I remember that very vividly, and painfully. For many people, they found it very difficult to manage - they'd not been shown how to manage; sometimes people learn through their families, sometimes people don't have that ability to learn, and don't have an example that they can follow. It is part, I understand, of the curriculum, of the new curriculum, so it will be there, to enable young people to be able to manage their - to help them them to manage their - finances in the future. Because the point is well made: how do you as a youngster cope with all the - ? Quite often, money is being thrown at you - or debts thrown at you, for many, many people - without any kind of help available to you. That point is well made, and it's included in the curriculum. In terms of the issue of breathing space, I know this is something that has been raised. It is something that we need to consider, as to how we - if we look to take it forward, how we take it forward, whether it's on a Wales basis or working with other countries in the UK. But, to my mind, anything that enables people to have a respite from debt, and particularly continuing debt, which people often find on their shoulders, must be a welcome thing.
Welsh: Yn gyntaf, rwy'n cytuno'n llwyr ag ef am yr angen i bobl ifanc gael addysg ariannol. Rwy'n credu mai rhan o'r broblem yw ei bod hi'n ymddangos bod arian, er gwaethaf yr hyn a ddigwyddodd yn 2008, yn dal i fod ar gael yn rhwydd mewn ffordd nad oedd pan oeddwn i'n iau, pan nad oedd benthyciadau ar gael mor rhwydd ag y maen nhw nawr. Yn y dyddiau pan - wel, roedd gan fy menthyciad car cyntaf gyfradd llog o 29 y cant; rwy'n cofio hynny'n eglur iawn, ac yn boenus. I lawer o bobl, roedden nhw'n ei chael hi'n anodd iawn ymdopi - nid oedd neb wedi dangos iddyn nhw sut i ymdopi; weithiau mae pobl yn dysgu trwy eu teuluoedd, weithiau nid yw'r gallu hwnnw i ddysgu gan bobl, ac nid oes ganddyn nhw esiampl y gallan nhw ei dilyn. Mae'n rhan, rwy'n deall, o'r cwricwlwm, y cwricwlwm newydd, felly bydd yno, i alluogi pobl ifanc i reoli eu - i'w helpu nhw i reoli eu - cyllid yn y dyfodol. Oherwydd mae'r pwynt yn cael ei wneud yn dda: sut ydych chi fel person ifanc yn ymdopi â'r holl - ? Yn aml iawn, mae arian yn cael ei daflu atoch chi - neu ddyledion yn cael eu taflu atoch chi, i lawer iawn o bobl - heb unrhyw fath o gymorth ar gael i chi. Mae'r pwynt hwnnw wedi ei wneud yn dda, ac mae wedi ei gynnwys yn y cwricwlwm. O ran cyfle i anadlu, gwn fod hyn yn rhywbeth sydd wedi cael ei godi. Mae'n rhywbeth y mae angen i ni ei ystyried, o ran sut yr ydym ni'n - os edrychwn ni ar fwrw ymlaen ag ef, sut i fwrw ymlaen ag ef, boed ar sail Cymru neu'n gweithio gyda gwledydd eraill yn y DU. Ond, yn fy marn i, mae'n rhaid i unrhyw beth sy'n galluogi pobl i gael seibiant o ddyled, a dyled barhaus yn arbennig, y mae pobl yn aml yn canfod eu bod yn ei hysgwyddo, fod yn rhywbeth i'w groesawu.