English: To start with, on your point about the individual courses available, I'm not in a position to answer that individual point now, but I will make sure I come back to you with the detail on that particular point. On your final point around net-zero investment and the announcement that we've made today on the new support that should be available to help with decarbonisation and energy efficiency and reducing energy costs, the last time we spoke I did indicate I'd have more to say in the coming weeks, and here we are. We've been working on this for a period of time. It isn't something that's been created in the last week or so. Part of this is about trying to generate a just transition, to make sure that, as we decarbonise, we don't simply keep the jobs we have, but we actually help to de-risk some of the future, not just from a broader climate perspective, but from the business costs that exist now. It's something that I think a number of businesses will want to look very closely at. And, as I say, on the point about the individual circumstances you mentioned for each business, well, they vary from one business to another. Individual businesses in the same sector will have different needs, they may have different opportunities to take advantage of that. That is, both looking at the fabric of their own institutions as they are now and their opportunities to maximise that. It's why I pointed out that the opportunity is to look at what's possible for that individual business. It's also possible we may end up being able to support district energy schemes as well, if you think about the number of businesses that may share a common broad footprint around a business park or an area and would want to have a look at whether it's possible to do more within a particular setting and not simply on each individual business. So, there'll be a range of circumstances that will be individual. The other reality we have to confront is that, even with the support that is available, and this is from the bank and its lending, whether it's equity or loan finance individually or a combination thereof, the Welsh Government doesn't, as we've talked about today, have the firepower to provide a grants based scheme to reach into every area of the economy. I know there are more businesses with challenges that I do think would otherwise be viable businesses than we have the means to support. It's why we await so keenly the outcome of the Halloween budget. I don't know if you had an opportunity to listen to the finance Minister in today's Welsh Government press conference, but the reality of our budget is one where we simply don't have additional money that is being kept back in the hope that we can then invest it over the coming weeks and months. It's a very, very difficult financial picture that we face, and businesses themselves know that. In the conversations I've had with a variety of business groups of different sizes in different sectors, they all know that we don't have the money waiting for them. In fact, manufacturing businesses were very clear that they were anxious about the future, not because they didn't have full order books, but because they knew about the rising costs and prices for goods, the challenges in inflation, and they know that really it requires the UK Government to act like they are really on their side to help them through what's coming. We're all going to find out fairly soon what that really looks like. I'd be delighted to be proven wrong and that there is going to be a generous package available to help businesses to not just survive where they are, but to genuinely prosper in the future. Here in Wales, though, we will make the most of the advantages we do have, and DBW is one of those. But I can't tell you or anyone else that we can save every single business that we would otherwise want to. When it comes to DBW and Business Wales and the reality of where we are with post-European funding, as I've indicated - and I've been absolutely upfront from the outset - there is a real and significant impact from European funds disappearing and not being replaced on a like-for-like basis in terms of the value or, indeed, how they're then purposed. What it does mean, though, is that to maintain Business Wales, which is what I have done, I've had to make really difficult choices in the rest of my departmental budget. That means other areas I would otherwise have wanted to invest in to help support the future of the Welsh economy I haven't been able to, because I think the Business Wales service is really important across the whole of Wales, and you can see that from the outcomes and the numbers of businesses that have had help, support and advice from Business Wales. Again, the Federation of Small Businesses regularly tell their counterparts in the rest of the UK that what we have in Wales is really worthwhile. Actually, the FSB in England would like to see a service like Business Wales in regions across England. That explains why I protected the budgets for the future for the services they provide. If we did have the same amount of money to invest in different choices, it would mean I could do more, and, indeed, that DBW could grow more as well. Finally, when it comes to support practically for employee-owned businesses - and I recognise the point that management buy-outs aren't necessarily exactly the same - we're now up to 40 employee-owned businesses, and I've recently confirmed that extra £170,000 to Cwmpas Cymru to help with that practical support to move businesses from one ownership model into another. There are really good examples of new employee-owned businesses in Wales, and I look forward to announcing when we have, as I'm confident that we will do, achieved our manifesto goal of doubling the size of the sector.
Welsh: I ddechrau, ynglŷn â'ch pwynt chi am y cyrsiau unigol sydd ar gael, nid wyf i mewn sefyllfa i ateb y pwynt arbennig hwnnw nawr, ond fe fyddaf i'n gwneud yn siŵr fy mod yn dod yn ôl atoch chi gyda'r manylion o ran y pwynt arbennig hwnnw. Ynglŷn â'ch pwynt olaf chi ynghylch buddsoddiad sero net a'r cyhoeddiad a wnaethom ni heddiw ynghylch y gefnogaeth newydd a ddylai fod ar gael i helpu gyda datgarboneiddio ac effeithlonrwydd ynni a lleihau costau ynni, y tro diwethaf i ni siarad fe fynegais i y byddai gennyf i fwy i'w ddweud yn ystod yr wythnosau nesaf, a dyma ni. Rydym ni wedi bod yn gweithio ar hynny ers cryn amser. Nid rhywbeth sydd wedi ei greu yn ystod yr wythnos diwethaf fwy neu lai mohono. Ystyr hyn yn rhannol yw ceisio creu pontio teg, i sicrhau, wrth i ni ddatgarboneiddio, nad ydym ni dim ond yn cadw'r swyddi sydd gennym ni, ond ein bod ni mewn gwirionedd yn helpu i leihau risgiau'r dyfodol i raddau, nid yn unig o safbwynt ehangach o ran yr hinsawdd, ond o ran y costau sy'n bodoli nawr i fusnesau. Dyma rywbeth yn fy marn i y bydd nifer o fusnesau yn awyddus i'w ystyried yn fanwl iawn. Ac, fel dywedaf i, ar y pwynt ynglŷn ag amgylchiadau unigryw busnesau unigol fel roeddech chi'n sôn, wel, mae'r rhain yw amrywio yn fawr rhwng y naill fusnes a'r llall. Bydd anghenion busnesau unigol yn yr un sector yn wahanol, a chyfleoedd amrywiol ganddyn nhw, efallai, i fanteisio ar hynny. Hynny yw, edrych ar wead eu sefydliadau nhw ar hyn o bryd a'u cyfleoedd nhw i wneud y gorau o hynny. Dyna pam yr oeddwn i'n tynnu sylw at y ffaith mai'r cyfle sydd yma yw gallu edrych ar yr hyn sy'n bosibl i'r busnes unigol hwnnw. Yn ogystal â hynny, fe fydd hi'n bosibl y byddwn ni'n gallu cefnogi cynlluniau ynni ardal yn y pen draw hefyd, os ydych chi'n meddwl am nifer y busnesau a allai rannu ôl troed eang cyffredin yng nghyd-destun parc busnes neu ardal ac sy'n awyddus i ystyried a fyddai hi'n bosib gwneud mwy o fewn lleoliad arbennig ac nid yn unig yng nghyd-destun busnesau unigol. Felly, fe fydd yna amrywiaeth o wahanol amgylchiadau unigol. Y gwirionedd arall y mae'n rhaid i ni ei wynebu yw, hyd yn oed gyda'r gefnogaeth sydd ar gael, ac mae hyn oddi wrth y banc a'r benthyciadau a gynigir ganddo, pa un a yw ar ffurf ecwiti neu'n gyllid benthyg unigol neu gyfuniad o'r pethau hyn, nid oes gan Lywodraeth Cymru, fel rydym ni wedi dweud heddiw, mo'r grym noeth i ddarparu cynllun ar sail grantiau a fydd yn ymestyn at bob maes yn yr economi. Fe wn i fod yna fwy o fusnesau â heriau a fyddai'n fusnesau hyfyw fel arall yn fy marn i ond nid oes gennym ni fodd i'w cefnogi nhw. Dyna pam yr ydym ni'n aros mor ddisgwylgar am ganlyniad y gyllideb Calan Gaeaf. 'Wn i ddim a gawsoch chi gyfle i wrando ar y Gweinidog cyllid yng nghynhadledd Llywodraeth Cymru i'r wasg heddiw, ond y sefyllfa wirioneddol o ran ein cyllideb ni'n syml yw nad oes gennym ni arian ychwanegol sy'n cael ei ddal yn ôl mewn gobaith y gallwn ni ei fuddsoddi eto dros yr wythnosau a'r misoedd nesaf. Mae hwn yn ddarlun ariannol dyrys tu hwnt sy'n ein hwynebu ni, ac mae'r busnesau eu hunain yn gwybod hynny hefyd. Yn y sgyrsiau a gefais i ag amrywiaeth o grwpiau busnes o wahanol feintiau mewn gwahanol sectorau, roedden nhw i gyd yn gwybod nad yw'r arian gennym ni'n aros ar eu cyfer nhw. Mewn gwirionedd, roedd busnesau gweithgynhyrchu yn eglur iawn eu bod nhw'n bryderus ynglŷn â'r dyfodol, nid am nad oedd ganddyn nhw lyfrau'n llawn archebion, ond oherwydd eu bod nhw'n ymwybodol o'r costau a'r prisiau cynyddol ar gyfer nwyddau, yr heriau o ran chwyddiant, ac maen nhw'n gwybod mewn gwirionedd bod angen i Lywodraeth y DU weithio fel pe byddai hi ar eu hochr nhw i'w helpu nhw drwy'r hyn sydd i ddod. Fe fyddwn ni i gyd yn canfod yn weddol fuan sut wedd fydd ar bethau mewn gwirionedd. Fe fyddwn i'n falch iawn o gael fy nghywiro ac y bydd pecyn hael ar gael i helpu busnesau i oroesi yn eu sefyllfa bresennol, ond nid yn unig hynny, i ffynnu mewn gwirionedd yn y dyfodol. Yma yng Nghymru, serch hynny, fe fyddwn yn gwneud y gorau o'r manteision sydd gennym ni, ac mae Banc Datblygu Cymru yn un o'r rhain. Ond ni allaf i ddweud wrthych chi na neb arall y byddwn ni'n gallu achub pob busnes unigol y byddem ni fel arall yn awyddus i'w achub. O ran Banc Datblygu Cymru a Busnes Cymru a'r sefyllfa bresennol wirioneddol gyda chyllid yn lle cyllid o Ewrop, fel nodais i - ac rwyf i wedi bod yn gwbl agored o'r cychwyn cyntaf - fe geir effaith wirioneddol ac arwyddocaol oherwydd y cronfeydd Ewropeaidd sy'n diflannu heb unrhyw beth tebyg o ran gwerth yn eu lle nhw neu, yn wir, o ran eu dibenion nhw. Yr hyn y mae'n yn ei olygu, er hynny, yw ar gyfer cynnal Busnes Cymru, sef yr hyn a wnes i, rwyf i wedi gorfod gwneud dewisiadau anodd iawn gyda gweddill fy nghyllideb adrannol i. Mae hynny'n golygu nad wyf i wedi gallu buddsoddi mewn meysydd eraill y byddwn i fel arall wedi bod yn awyddus i fuddsoddi ynddyn nhw i helpu i gefnogi dyfodol economi Cymru, am fy mod i o'r farn fod gwasanaeth Busnes Cymru yn wir bwysig ledled Cymru, ac fe allwch chi weld hynny o'r canlyniadau a'r niferoedd o fusnesau sydd wedi cael cefnogaeth, cymorth a chyngor gan Fusnes Cymru. Unwaith eto, mae Ffederasiwn y Busnesau Bach yn dweud wrth eu cymheiriaid yng ngweddill y DU yn rheolaidd fod yr hyn sydd gennym ni yng Nghymru mewn gwirionedd yn werthfawr iawn. Mewn gwirionedd, fe hoffai Ffederasiwn y Busnesau Bach yn Lloegr weld gwasanaeth fel Busnes Cymru mewn rhanbarthau ledled Lloegr. Mae hynny'n esbonio pam y bu i mi warchod y cyllidebau i'r dyfodol ar gyfer y gwasanaethau y maen nhw'n eu cynnig. Pe byddai swm tebyg o arian gennym ni i fuddsoddi mewn gwahanol ddewisiadau, fe fyddai'n golygu y byddem ni'n gallu gwneud mwy, ac, yn wir, fe allai Banc Datblygu Cymru ehangu eto hefyd. Yn olaf, o ran cefnogaeth ymarferol i fusnesau sy'n eiddo i'w gweithwyr - ac rwy'n cydnabod y pwynt nad yw rheolwyr yn prynu busnesau yn gwbl gyfystyr â hynny o reidrwydd - mae gennym ni hyd at 40 o fusnesau sy'n eiddo i'w gweithwyr erbyn hyn, ac yn ddiweddar rwyf i wedi cadarnhau bod £170,000 ychwanegol ar gael i Gwmpas Cymru i helpu gyda'r cymorth ymarferol hwnnw i symud busnesau o un dull o berchnogaeth i un arall. Fe geir enghreifftiau da iawn o fusnesau newydd sy'n eiddo i'w gweithwyr yng Nghymru, ac rwy'n edrych ymlaen at gyhoeddi pryd y byddwn ni, fel rwy'n ffyddiog y byddwn ni, wedi cyflawni ein nod maniffesto ni, sef dyblu maint y sector.