English: Can I thank Leanne for her questions? I think it's worth saying that one of the specific cases that you outlined would have been eligible for a small loan from the Development Bank of Wales. Twenty five thousand pounds may be too much; the Development Bank of Wales's COVID-19 loan scheme offers smaller loans at very favourable interest rates with a year-long holiday. Now, that's been fully subscribed, but as I said previously to earlier questions, the development bank is looking at the second phase of the COVID-19 loan fund, so it may well be that the business you highlighted will be eligible for that second phase of support. Of course, there's also the role I've alluded to of the high-street banks in this regard as well. And it's not just coronavirus business interruption loan schemes that the high-street banks have access to; they can help their existing customers in many, many ways, whether it be with favourable terms on extended overdrafts, or favourable terms in terms of loans. It's absolutely vital that high-street banks step up to the mark in this regard. And I've already outlined the rationale for not including in phase 1 of the ERF those businesses that are not VAT registered, and I've given Members assurance that this is very, very much at the forefront of our minds as we develop phase 2. Leanne is right that, in many respects, the support that needs to be offered to people who have fallen through the gap is welfare support, and we accept in Welsh Government we have a role. The UK Government have a very significant role as well, and I've already mentioned that work is under way to examine the role of the discretionary assistance fund as far as the Welsh Government is concerned.
Welsh: A gaf fi ddiolch i Leanne am ei chwestiynau? Rwy'n credu ei bod yn werth dweud y byddai un o'r achosion penodol a amlinellwyd gennych wedi bod yn gymwys i gael benthyciad bach gan Fanc Datblygu Cymru. Efallai fod £25,000 yn ormod; mae cynllun benthyciadau COVID-19 Banc Datblygu Cymru yn cynnig benthyciadau llai ar gyfraddau llog ffafriol iawn gyda gwyliau blwyddyn o hyd. Nawr, mae hynny wedi'i gefnogi'n llawn, ond fel y dywedais yn flaenorol wrth ateb cwestiynau yn gynharach, mae'r banc datblygu yn edrych ar ail gam cronfa fenthyciadau COVID-19, felly mae'n bosibl iawn y bydd y busnes rydych chi wedi tynnu sylw ato yn gymwys ar gyfer yr ail gam hwnnw o gymorth. Wrth gwrs, cyfeiriais at y rôl sydd gan fanciau'r stryd fawr yn hyn o beth hefyd. Ac mae gan fanciau'r stryd fawr fynediad at fwy na'r cynlluniau benthyciadau tarfu i fusnesau yn unig; gallant helpu eu cwsmeriaid presennol mewn llawer iawn o ffyrdd, boed gyda thelerau ffafriol ar orddrafftiau estynedig, neu delerau ffafriol o ran benthyciadau. Mae'n gwbl hanfodol fod banciau'r stryd fawr yn camu i'r adwy yn hyn o beth. Ac rwyf eisoes wedi amlinellu'r rhesymeg dros beidio â chynnwys yng ngham 1 y gronfa cadernid economaidd y busnesau hynny nad ydynt wedi'u cofrestru ar gyfer TAW, ac rwyf wedi rhoi sicrwydd i'r Aelodau fod hyn yn flaenllaw iawn yn ein meddyliau wrth i ni ddatblygu cam 2. Mae Leanne yn iawn yn dweud mai cymorth lles, ar lawer ystyr, yw'r cymorth sydd angen ei gynnig i bobl sydd wedi disgyn drwy'r bwlch, ac rydym yn derbyn bod gennym ran i'w chwarae yn Llywodraeth Cymru. Mae gan Lywodraeth y DU rôl bwysig iawn hefyd, ac rwyf eisoes wedi crybwyll bod gwaith ar y gweill i archwilio rôl y gronfa cymorth dewisol o safbwynt Llywodraeth Cymru.