English: Thank you for that. Just to be clear at the outset, as I said, we welcome the fact that an independent report was commissioned. But I only received that on Tuesday morning. I have read it, of course, but we are not in a position to respond specifically to every point made there. We will look forward to see what weight you as a committee give to that report, and in what way the Finance Committee can apply those recommendations. I have seen the comments that you refer to in your report. I do think that I need to emphasise that, in our assessment as a Finance Committee, we have looked at what we believe would emerge as truly additional oral complaints - and that's additional to the current process. I highlight that in the sense that the current ombudsman does have the discretion to deal with oral complaints. So, it's not true to say that we are going from a system where there are no oral complaints dealt with to a system where, all of a sudden, the flood gates open. It is a process. We're just making things more just and open for people who don't have literacy skills to make those complaints. We're also, of course, preparing for possibilities that in future there may be other means of engaging with the ombudsman. We are talking specifically here about oral and written complaints, but you can imagine an app being developed that would enable you to contact the ombudsman, for example. We have to be futureproofed in that regard. So, we've focused on what's truly likely to be additional in this area. I accept that your expert adviser has suggested that the oral complaints may have been underestimated. I want time to consider that. I don't think there is evidence provided in the report, however. What he says is that there is a possibility - that there is a range of possibilities here. We would want to deal with that appropriately, of course. But, given the general evidence that you've received as a committee, we don't feel that we're too far from the mark.
Welsh: Diolch am hynny. I fod yn glir ar y dechrau, fel y dywedais, byddwn i'n croesawu'r ffaith fod adroddiad annibynnol wedi cael ei gomisiynu. Ond, yn ymarferol, dim ond ar fore dydd Mawrth y derbyniais hwnnw. Rwyf wedi mynd trwyddo fe, wrth gwrs, ond nid ydym ni mewn sefyllfa i ymateb yn benodol i bob peth. Fe fyddwn ni'n edrych ymlaen at weld pa bwysau rydych chi fel pwyllgor yn eu rhoi ar yr adroddiad yna, ac ym mha ffordd mae'r Pwyllgor Cyllid yn gallu cymhwyso'r argymhellion. Rwyf i wedi gweld hynny yn yr adroddiad, wrth gwrs. Rydw i'n credu fy mod i eisiau pwysleisio, yn yr asesiad rydym ni wedi ei wneud fel Pwyllgor Cyllid, rydym ni wedi edrych ar beth rydym ni'n teimlo sy'n deillio fel cwynion ar lafar ychwanegol - gwir ychwanegol i'r broses bresennol. Rydw i'n tanlinellu hynny yn yr ystyr bod gan yr ombwdsmon presennol y disgresiwn i ddelio â chwynion llafar. Felly, nid yw'n wir i ddweud ein bod ni'n mynd o system lle nad oes cwynion llafar yn cael eu delio â hwy i system lle, yn sydyn iawn, mae'r llifddorau'n agor, os liciwch chi. Mae'n broses. Rydym ni jest yn gwneud pethau'n fwy cyfiawn ac yn fwy agored i bobl sydd ddim yn medru ar sgiliau llythrennedd yn benodol i wneud y cwynion hynny. Rydym ni hefyd, wrth gwrs, yn paratoi at y posibiliadau yn y dyfodol y bydd dulliau eraill o ymgysylltu â'r ombwdsmon. Rydym ni'n sôn yn benodol fan hyn am ysgrifennu ac ar lafar, ond fe allwch chi ddychmygu ap yn cael ei ddatblygu sy'n eich galluogi chi i gysylltu â'r ombwdsmon, er enghraifft. Mae'n rhaid bod yn agored i ddatblygiadau. Felly, rydym ni wedi ffocysu ar beth sydd wir yn debyg o fod yn ychwanegol yn y maes yma. Rydw i'n derbyn bod yr arbenigwr rydych chi wedi ei gomisiynu wedi awgrymu y gallai fod yn fwy. Rydw i eisiau cael amser i ystyried hynny. Nid ydw i'n meddwl bod tystiolaeth, serch hynny, yn ei adroddiad. Beth mae'n dweud yw bod yna bosibilrwydd, bod yna rychwant, os leiciwch chi - ystod o bosibiliadau fan hyn. Byddem ni eisiau delio â hynny'n briodol, wrth gwrs. Ond, o ran y dystiolaeth gyffredinol rydych chi wedi ei derbyn fel pwyllgor, nid ydym ni'n teimlo ein bod ni'n bell ohoni yn y ffordd rydym ni wedi mynd ati.