English: Yes. Thank you very much, Buffy, and that just demonstrates nicely, doesn't it, that the issue is an issue right across Wales for a different set of reasons. So, we have issues with areas surrounding our big cities that become commuter towns, so to speak; we have issues with holidays; we have issues with students; we have a whole range of issues right across Wales. There's no silver bullet for this - that's the real point that we're finding here. If you read Dr Simon Brooks's report, and, indeed, our response, which all Members will now have, you'll see that he's acknowledging that there's no silver bullet. What we will need is a range of measures right across Wales that work differently in different communities, to ensure that we do have access to affordable housing for our young people and, indeed, our families and all of our communities. And that will be that mix of good social housing that's available for all, because it's not rationed any more - shared-equity schemes, co-operative housing, community land housing - and then, the kinds of schemes that we have seen around Help to Buy and so on that allow people to get that foot on the housing ladder. And I already said, in answer to a previous speaker, that one of the things we want to do is work with lenders to make sure that people who can demonstrate good rental records are still considered for mortgage offers. So, the way that that market works is really driving some of the issues we're seeing at the moment as well. And, of course, I've also mentioned the various taxation issues and so on that we'll be bringing to bear too. But I'm really happy, Buffy, to work with you, and any of the communities you have, to see what we can pilot in some of those communities as well.
Welsh: Gwnaf. Diolch yn fawr iawn Buffy, ac mae hynna'n dangos yn glir, onid yw, fod y mater yn broblem ledled Cymru am gyfres wahanol o resymau. Felly, mae gennym ni broblemau mewn ardaloedd sydd o amgylch dinasoedd mawrion sy'n dod yn drefi cymudo, fel petai; mae gennym ni broblemau gyda gwyliau; mae gennym ni broblemau gyda myfyrwyr; mae gennym ni ystod eang o broblemau ledled Cymru. Nid oes unrhyw un ateb syml ar gyfer hyn - dyna'r gwir bwynt yr ydym yn ei weld yn y fan yma. Os darllenwch chi adroddiad Dr Simon Brooks, ac, yn wir, ein hymateb ni, a bydd hwnnw gan bob Aelod erbyn hyn, fe welwch ei fod yn cydnabod nad oes un ateb syml, addas at bob diben. Yr hyn y bydd ei angen arnom yw amrywiaeth o fesurau ledled Cymru sy'n gweithio'n wahanol mewn gwahanol gymunedau, i sicrhau bod tai fforddiadwy ar gael i'n pobl ifanc ac, yn wir, i'n teuluoedd a'n holl gymunedau. A dyna fydd y cymysgedd hwnnw o dai cymdeithasol da sydd ar gael i bawb, oherwydd nid yw hyn wedi ei ddogni mwyach - cynlluniau rhannu ecwiti, tai cydweithredol, tai tir cymunedol - ac yna, y mathau o gynlluniau yr ydym wedi eu gweld o ran Cymorth i Brynu ac ati sy'n caniatáu i bobl gael y droed honno ar yr ysgol dai. A dywedais eisoes, wrth ateb siaradwr blaenorol, mai un o'r pethau yr ydym ni eisiau ei wneud yw gweithio gyda benthycwyr i sicrhau bod pobl sy'n gallu dangos cofnodion rhentu da yn dal i gael eu hystyried ar gyfer cynigion morgais. Felly, y ffordd y mae'r farchnad honno yn gweithio sydd y tu ôl i rai o'r problemau a welwn ni ar hyn o bryd hefyd. Ac, wrth gwrs, rwyf hefyd wedi sôn am y gwahanol faterion trethiant ac ati y byddwn yn rhoi sylw iddyn nhw hefyd. Ond rwy'n hapus iawn, Buffy, i weithio gyda chi, ac unrhyw un o'r cymunedau sydd gennych, i weld beth allwn ni ei dreialu yn rhai o'r cymunedau hynny hefyd.