English: I thank the Member for his contribution. He started saying that the Act was confusing, and then he said he hadn't read it, which was even more confusing, on the basis to make an assumption like that - . First of all, the whole purpose of the Bill is to take this off the public borrowing sector because of the amount of money that is borrowed by housing associations. We would top our borrowing commitment in Government, and therefore we'd have to take that money from somewhere else. We'd have to make a decision to invest in social housing and remove that money from health or another organisation. So, this is a really important process, and the consequences of doing that are therefore deregulating a sector. However, I did say earlier on that our framework powers that we have in place give us a very strong position of influencing the RSLs in the way that they operate. I think the Member, alongside Bethan Jenkins and others, has said about the influence of the boards is an important one, and particularly tenants' representation. I'll work with you to make sure that we get maximum support for that as we take the Bill forward. The Member raised also about particular funding models, about Trivallis in particular and the Bellerophon model. I don't have any views on which financial models RSLs should use, but what I do know is that their current relationship with the private sector is a good one, and we must maintain that longer term, otherwise for the fact, as I said earlier, we will not be building 20,000 more new homes in Wales. I will give the Member and Members some more detail as we move forward, but, in particular, I don't have the detail in terms of the division of Welsh Government funding versus private sector funding, but I will let the Member know that in my response as we move forward. But I hope that the Member can bring himself and his party to support the process of this very important Bill as we move forward.
Welsh: Diolch i'r Aelod am ei gyfraniad. Dechreuodd drwy ddweud bod y Ddeddf yn ddryslyd, ac yna dywedodd nad oedd wedi ei darllen, a oedd yn fwy dryslyd byth, i wneud rhagdybiaeth o'r fath ar y sail honno - . Yn gyntaf oll, holl bwrpas y Bil yw cymryd hyn oddi ar y sector benthyca cyhoeddus oherwydd faint o arian a fenthycir gan gymdeithasau tai. Byddem yn gorwario ein hymrwymiad benthyg yn y Llywodraeth, ac felly byddai'n rhaid i ni gymryd yr arian hwnnw o rywle arall. Byddai'n rhaid i ni wneud penderfyniad i fuddsoddi mewn tai cymdeithasol a thynnu'r arian oddi wrth iechyd neu sefydliad arall. Felly, mae hon yn broses bwysig iawn, a chanlyniadau gwneud hynny felly yw dadreoleiddio sector. Fodd bynnag, dywedais yn gynharach fod y pwerau fframwaith sydd gennym ar waith yn ein rhoi ni mewn sefyllfa gref iawn o ran dylanwadu ar y LCC o ran sut y mae nhw'n gweithredu. Rwy'n credu bod yr Aelod, yn ogystal â Bethan Jenkins ac eraill, wedi dweud bod dylanwad y byrddau yn un pwysig, ac yn enwedig cynrychiolaeth tenantiaid. Byddaf yn gweithio gyda chi i sicrhau ein bod yn cael y cymaint o gymorth â phosibl ar gyfer hynny wrth inni ddatblygu'r Bil. Soniodd yr Aelod hefyd am fodelau cyllido penodol, ynghylch Trivallis yn arbennig, a model Bellerophon. Nid oes gennyf unrhyw farn ar ba fodelau ariannol y dylai LCC eu defnyddio, ond yr hyn yr wyf yn ei wybod yw bod eu perthynas bresennol â'r sector preifat yn un dda, ac mae'n rhaid inni gynnal y berthynas honno yn yr hirdymor, fel arall, fel y dywedais yn gynharach, ni fyddwn yn adeiladu 20,000 o gartrefi newydd eraill yng Nghymru. Byddaf yn rhoi mwy o fanylion i'r Aelod a'r Aelodau wrth i ni symud ymlaen, ond, yn benodol, nid oes gennyf fanylion o ran rhaniad cyllid Llywodraeth Cymru o'i gymharu â chyllid y sector preifat, ond byddaf yn rhoi gwybod i'r Aelod am hynny yn fy ymateb wrth i ni symud ymlaen. Ond rwy'n gobeithio y gall yr Aelod argyhoeddi ei hun a'i blaid i gefnogi proses y Bil hynod o bwysig hwn wrth inni symud ymlaen.