English: Again, I agree with everything that Alun Davies has said about this being a budget for the very richest, which will benefit very, very few people here in Wales. It is absolutely an extraordinary economic failure, and I agree that it is another approach by the Conservatives that sits right alongside Brexit in terms of ways in which it can cause long-term economic harm to Wales, and, obviously, all of the social and economic challenges that go alongside that as well. In terms of the financial framework, yes, I think that there is more work to do now in terms of thinking about what the future of that should look like, and I know that colleagues will have a great interest in that. And I think this point about public services is one of the most important things, which I think has generally been overlooked so far in the coverage of the budget. But, as the dust settles and we start to understand what the impact will be on public services, and the fact that there is no more money coming and that difficult choices are going to have to be made, I think that we'll be talking much more about that. I know that local government and health, in particular, will have lots to say on that. And then, just to respond to the specific question in terms of the cost of the changes to the LTT main residential rates and bands, in this financial year it will be £9 million; in 2023-24, £19 million; and in 2024-25, £18 million. The overall impact is that a higher proportion of transactions in Wales than in England will pay no tax, and around 61 per cent of transactions will be paying no tax in 2023-24. And, of course, the threshold increase that we've announced exceeds the price growth between 2018-19 and 2021-22. So, I think it does offer a good package for homebuyers. As I say, it's something that we've been working on over the summer. I had hoped to announce it alongside the draft budget, but I didn't want to cause uncertainty in the housing market, which is why I've brought it forward to today.
Welsh: Unwaith eto, rwy'n cyfuno â phopeth a ddywedodd Alun Davies ynglŷn â'r ffaith mai cyllideb i'r cyfoethocaf un yw hon, nad yw'n gwneud unrhyw les ond i'r ychydig rai ymhlith pobl yma yng Nghymru. Mae hwn yn fethiant economaidd eithriadol ac rwy'n cytuno mai ymagwedd gyfochrog arall gan y Ceidwadwyr â Brexit yw hon o ran ffyrdd o beri niwed economaidd hirdymor i Gymru, ac, yn amlwg, yr holl heriau cymdeithasol ac economaidd sy'n cyfochri â hynny hefyd. O ran y fframwaith ariannol, ydw, rwyf i o'r farn bod mwy o waith i'w wneud nawr o ran ystyried sut olwg ddylai fod ar hwnnw i'r dyfodol, ac rwy'n gwybod y bydd gan gydweithwyr ddiddordeb mawr yn hynny. Ac rwy'n credu mai'r pwynt hwn ynglŷn â gwasanaethau cyhoeddus yw un o'r pethau pwysicaf, sydd, yn fy marn i, wedi cael ei anwybyddu hyd yma yn y sylwadau wedi'r gyllideb. Ond, ar ôl y twrw ac wrth i ni ddechrau deall beth fydd yr effaith ar wasanaethau cyhoeddus, a'r ffaith nad oes yna fwy o arian am ddod a bydd raid gwneud dewisiadau sy'n anodd, rwyf i o'r farn y byddwn ni'n siarad llawer mwy am hynny. Rwy'n gwybod y bydd gan lywodraeth leol ac iechyd, yn benodol, lawer i'w ddweud ynglŷn â hynny. Ac wedyn, dim ond i ymateb i'r cwestiwn penodol o ran cost y newidiadau i brif gyfraddau preswyl a bandiau Treth Trafodiadau Tir, yn y flwyddyn ariannol hon £9 miliwn fydd hynny; yn 2023-24, £19 miliwn; ac yn 2024-25, £18 miliwn. Yr effaith gyfan yw na fydd cyfran uwch o drafodiadau yng Nghymru nag yn Lloegr yn talu unrhyw dreth, ac ni fydd tua 61 y cant o drafodiadau yn talu unrhyw dreth yn 2023-24. Ac, wrth gwrs, mae'r cynnydd trothwy y gwnaethom ei gyhoeddi yn fwy na'r twf mewn prisiau rhwng 2018-19 a 2021-22. Felly, rwy'n credu bod hynny'n cynnig pecyn da ar gyfer rhai sy'n prynu tai. Fel rwy'n dweud, rhywbeth yw hwnnw yr ydym ni wedi bod yn gweithio arno dros yr haf. Roeddwn i wedi gobeithio ei gyhoeddi ochr yn ochr â'r gyllideb ddrafft, ond nid oeddwn i am achosi ansicrwydd yn y farchnad dai, a dyna pam rwyf i wedi ei roi gerbron heddiw.