techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: Thank you very much, that's very interesting. Just a final question: as an organisation, do you think there has been sufficient focus on debt prevention and what's your view on the need for more financial education? What's being done to identify who is at risk of overindebtedness before they reach that crisis situation? And do you feel, for example, that perhaps placing a statutory duty on organisations and public bodies, and you mentioned local authorities - could that improve the situation, a statutory duty on preventing overindebtedness?
Welsh: Grêt, diolch yn fawr, mae hynny'n rili ddiddorol. Un cwestiwn bach olaf: ŷch chi fel sefydliad yn teimlo bod digon o ffocws ar atal dyled a beth yw'ch barn chi ynglŷn â'r angen am fwy o addysg ariannol? Beth sy'n cael ei wneud i nodi pwy sydd mewn perygl o or-ddyled cyn eu bod nhw'n cyrraedd y sefyllfa yna o argyfwng? Ac ŷch chi'n teimlo, er enghraifft, efallai y byddai rhoi dyletswydd statudol ar sefydliadau ac efallai ar gyrff cyhoeddus, fel roeddech chi'n sôn am yr awdurdodau lleol fanna - a fyddai hynny'n gallu gwella'r sefyllfa, dyletswydd statudol ar atal dyled?
English: Can you hear the interpretation?
Welsh: Oes gyda chi - . Ydych chi'n gallu clywed y Gymraeg yn Saesneg, efallai? Na.
English: Yes, I just wanted to ask you in a little more depth as to how much awareness is there of support in terms of debt and money so that people can avoid indebtedness or deal with indebtedness, and what level of awareness is there among the groups that you represent. You've just mentioned some of the barriers there - there's a digital barrier, clearly, but are there any other barriers? We heard from some of the witnesses earlier that good practice can depend on one individual within an organisation or a local authority, so what's your experience with the groups that you represent? Perhaps we could go to Cerys first.
Welsh: Diolch. Ie, jest eisiau holi ychydig bach ymhellach, te. Faint o ymwybyddiaeth o gymorth ynglŷn â'r cyngor sydd yna am arian, y cymorth yna i osgoi dyledion neu ymdopi â nhw, ymhlith y grwpiau rydych chi'n eu cynrychioli? Roeddech chi'n sôn tipyn bach fanna am y rhwystrau - yr un digidol yn amlwg yn un amlwg. Oes yna bethau eraill sy'n rhwystro hynny? Rŷn ni wedi clywed gan rhai o'r tystion roedden ni'n holi yn gynharach fod arfer da yn dibynnu weithiau ar un unigolyn o fewn sefydliad neu awdurdod lleol ac yn y blaen. Beth yw'ch profiad chi gyda'r grwpiau rydych chi'n eu cynrychioli? Efallai mynd i Cerys yn gyntaf.
English: Thank you, Cerys, and what about you, Lee? The same question to you in terms of what level of awareness is there - and you've already mentioned this - what awareness is there of the debt and money advice available? And what would your suggestion be in overcoming some of those difficulties? You've already mentioned some digital barriers, but what are the other barriers and how can the Government make improvements in that area?
Welsh: Diolch, Cerys. A beth am Lee? Yr un cwestiwn o ran faint o ymwybyddiaeth sydd yna o'r - dŷch chi wedi sôn amdano fe dipyn bach - cymorth a'r cyngor sydd ar gael. A beth yw'ch awgrym chi, efallai, te, i ddod dros hynny? Rŷch chi wedi sôn yn barod am y rhwystrau digidol - beth yw'r rhwystrau eraill a sut y gall y Llywodraeth wella hynny?
English: Thank you very much.
Welsh: Reit. Diolch yn fawr.
English: Thank you, Chair. I wanted to follow up on what you've just said, Karen Davies, about the way in which debts are recouped. In your written evidence, you expressed concerns about how public sector bodies sometimes are draconian in their approach to people in debt. So, could you perhaps set out your concerns on that specifically in terms of how public sector bodies manage debt, and what do you think the impacts are on those people that you're in contact with? You've already touched on that.
Welsh: Diolch, Cadeirydd. Dwi eisiau dilyn lan yn syth gyda beth oeddech chi'n ei ddweud, Karen Davies, am y modd mae dyledion yn cael eu casglu. Yn eich tystiolaeth ysgrifenedig chi, wnaethoch chi fynegi pryder ynglŷn â'r ffordd mae sefydliadau'r sector cyhoeddus weithiau yn llym o ran y ffordd maen nhw yn ymdrin â phobl sydd mewn dyled. Felly, beth ŷch chi'n teimlo yw - ? Allwch chi nodi, efallai, ymhellach eich pryderon am hynny yn benodol, am y ffordd mae sefydliadau sector cyhoeddus yn rheoli dyled, a beth rŷch chi'n meddwl yw'r effeithiau ar y bobl rŷch chi'n dod i gyswllt â nhw, fel wnaethoch chi esbonio tipyn bach fanna?
English: Thank you very much. That's very concerning indeed. So, what do you think the Welsh Government could do to improve that situation? Is it a question, perhaps, of having some kind of national statutory framework in place that public sector bodies, such as local authorities, would have to adhere to? It's clear - and we've heard already today - that there is great variety, depending on individual local authorities, individuals within local authorities, depending on the capacity that local authorities have in dealing with these issues, in terms of good practice around communication, as you've just mentioned, to inform people as to how they can deal with these problems. What do you think would work best in terms of what the Welsh Government can do to make changes in this area?
Welsh: Diolch yn fawr. Mae hynny'n hynod o bryderus, a dweud y gwir. Beth felly ŷch chi'n meddwl gallai Llywodraeth Cymru ei wneud i wella'r sefyllfa yna? Ydy e'n gwestiwn, efallai, o ryw fath o fframwaith cenedlaethol statudol y byddai sefydliadau sector cyhoeddus, fel awdurdodau lleol, yn gorfod ufuddhau iddo fe? Mae'n siŵr bod yna - ac rŷm ni wedi clywed hyn heddiw - amrywiaeth, yn dibynnu ar awdurdodau lleol unigol, yn dibynnu ar unigolion o fewn awdurdodau lleol unigol, yn dibynnu ar y capasiti sydd gan awdurdodau lleol i ddelio â'r math hyn o beth, o ran arfer da gyda chyfathrebu, fel roeddech chi'n sôn yn fanna, i roi gwybod i bobl sut mae modd delio â'r pethau yma. Beth ŷch chi'n teimlo fyddai'n gweithio orau o ran beth all Llywodraeth Cymru ei wneud i newid hyn?
English: Does anyone else want to come in on that, from the credit unions, perhaps?
Welsh: Oes rhywun arall yn moyn dod i mewn ar hynny, o'r undebau credyd?
English: Just a brief question, if I may. In terms of Daniel's idea of an independent regulator, what do the others think about that? That's an interesting idea in my view, but I just wanted to know what the other witnesses' thoughts were on that too. Thank you very much.
Welsh: Jest cwestiwn bychan os yw hynny'n iawn. Ynglŷn â syniad Daniel am independent regulator ar gyfer mudiadau, beth ydy'r lleill yn meddwl am hynny? Mae hynny'n syniad diddorol yn fy marn i, ond roeddwn i jest eisiau tsiecio allan beth oeddech chi'n meddwl am hynny hefyd - y bobl eraill. Diolch yn fawr iawn.
English: It's good to see you and a warm welcome. I want to focus - .
Welsh: Neis eich gweld chi a chroeso mawr i chi. Dwi eisiau gofyn - .
English: Well, I think it's something that does need to be considered in the context that we currently face. As I mentioned, we know that those who were most deprived before the pandemic have been hardest hit by it, in terms of debt. And if we're talking about a just and fair recovery and so on, if we want to deliver the potential of those things, we can't have those on the lowest income being held back by debt that they've built up during the pandemic. Now, clearly, there are limitations as to how that can work in different sectors, but we have seen with the tenancy hardship grant, for example, put forward by the Welsh Government, which provides support to those who have fallen into rent arrears - I think that that recognises that ethos that we can consider some of these issues in a different way. Now, council tax, for example - is that something that we could look at and consider what we can do? And perhaps it isn't a matter of saying, 'No, we're going to scrap all of your debts', but thinking can we move to a system where people pay part of their arrears and the state covers the rest, and we can look at what can actually work in particular sectors.
Welsh: Wel, rwy'n credu ei fod e yn rhywbeth sydd angen ei ystyried yn y cyd-destun rŷn ni ynddo ar y foment. So, fel y gwnes i sôn, dŷn ni'n gwybod mai'r bobl a oedd yn fwyaf difreintiedig cyn y pandemig sydd wedi cael eu heffeithio'n galetaf gan y pandemig o ran dyled. Ac wrth ein bod ni'n sôn am just and fair recovery, a phethau fel yna, os dŷn ni wir am wireddu potensial y pethau yna, dŷn ni'n methu â chael y bobl sydd ar yr incwm isaf, sydd yn fwyaf difreintiedig, yn cael eu dal nôl gan ddyledion maen nhw wedi eu hadeiladu dros gyfnod y pandemig. Nawr, yn amlwg, mae yna limitations, efallai, o ran sut mae hwn yn gallu gweithio mewn gwahanol sectorau, ond dŷn ni wedi gweld gyda'r tenancy hardship grant, er enghraifft, gan Lywodraeth Cymru, sy'n rhoi cymorth i bobl sydd wedi cwympo y tu ôl ar eu rhent - mae hwnna'n cydnabod yr ethos, rwy'n credu, fod yna fodd edrych ar rai o'r pethau yma. So, yn y gyfundrefn gyhoeddus, y dreth gyngor, er enghraifft - ydy honno'n un y gallwn ni fod yn edrych arni, i ystyried beth y gallwn ni ei wneud? Ac efallai dyw e ddim yn fater o ddweud, 'Na, olreit, dyna ni, dŷn ni'n cael gwared ar eich dyledion chi i gyd', ond efallai edrych i weld a ydyn ni'n gallu symud i system ble, efallai, mae pobl yn talu rhan ohono fe off, a'r wladwriaeth yn talu rhan ohono fe off, a'n bod ni'n edrych i weld yn y gwahanol sectorau pa atebion sydd i'w cael sy'n gweithio o fewn cyd-destun y sectorau penodol.
English: Thank you very much, Steffan. Thank you, Chair.
Welsh: Diolch yn fawr iawn i chi, Steffan. Diolch, Cadeirydd.
English: Thank you, Chair, and thank you, Steffan. The work that you've been doing on this issue of debt within the Bevan Foundation is invaluable and very important indeed. And we've touched there on some of the possible solutions that the Welsh Government could consider in mitigating the impacts of debt. But I'm interested perhaps in debt prevention, and that came through very strongly in your research paper, in your report. So, I wanted to ask your view on that: what needs to be done in order to create an effective debt prevention strategy? We've mentioned there some ideas in having a statutory duty to ensure that people can access the information and support that they need. But how perhaps can we prevent them from getting to that crisis point in the first instance? What's needed? Is there something in terms of data that needs to be collected so that we could create such a policy? That was something that Cerys Furlong from Chwarae Teg mentioned. And also, when it come to housing and the construction of social housing, in terms of how housing is allocated and the kinds of houses that we are building, are they affordable? What does affordable mean? I'd like to hear a little more perhaps in terms of your views on those issues.
Welsh: Diolch, Cadeirydd. Diolch, Steffan. Mae'r gwaith rŷch chi wedi bod yn ei wneud ar y pwnc yma, o ran dyled, yn y Sefydliad Bevan yn amhrisiadwy ac yn hynod o bwysig. Rŷn ni wedi cyffwrdd fanna ar rai o'r atebion y gallai Llywodraeth Cymru edrych arnyn nhw i liniaru ar ddyled. Ond dwi â diddordeb, efallai, yn yr elfen yma o atal dyled, a gwnaeth hwnna ddod drwyddo yn gryf iawn yn eich papur ymchwil chi, yn yr adroddiad. Felly, jest eisiau gofyn ydw i - gofyn eich barn chi ar hynny - beth sydd ei angen er mwyn creu strategaeth effeithiol i atal dyled? Dŷn ni wedi sôn fanna am syniad o ran cael dyletswydd statudol i sicrhau bod pobl yn gallu cyrchu'r cymorth a'r gefnogaeth sydd eu hangen arnyn nhw. Ond, efallai, er mwyn eu hatal nhw rhag dod at y pwynt yna, a dod at y pwynt yna o argyfwng, beth sydd ei angen? Oes yna rywbeth o ran data sydd angen ei gasglu er mwyn gallu creu polisi o'r fath? Roedd hwnna'n rhywbeth roedd Cerys Furlong o Chwarae Teg yn sôn amdano fe. A, hefyd, pan ydyn ni'n dod at dai ac adeiladu tai cymdeithasol, o ran prosesau dyrannu tai a'r math o dai rydyn ni'n eu hadeiladu, a ydy'r tai yna'n fforddiadwy? Beth yw fforddiadwy, ac yn y blaen? Hoffwn i glywed, efallai, ychydig mwy am eich barn chi ar y pethau hynny.
English: Thank you. In that regard, you made reference there to the benefits system that we currently have, and we've heard from other witnesses this afternoon that they don't believe that the Welsh Government has the powers it needs in terms of the administration of welfare at the moment in order to target in the most effective way those people who need support. So, what are your findings in terms of what could be possible, and whether it would be possible to devolve the administration of elements of the benefits system? Also, specifically in terms of the DAF, I tend to feel, and we've heard from some witnesses this afternoon, that we are always just going from one year to the next. One of the witnesses mentioned the fact that we're always in some sort of cycle rather than actually having radical change in the system. In terms of the DAF, do we need a permanent change to that system, where it's not a matter of actually going to seek that support, but, as you mentioned, that that support is provided initially without having to jump through all of those hoops to prove that you qualify for that support?
Welsh: Diolch. O ran hynny, mi wnest ti gyfeirio'n fanna at y system les sydd gyda ni ar hyn o bryd, a dŷn ni wedi clywed gan dystion eraill y prynhawn yma ynglŷn â'r ffaith, yn eu barn nhw, does gan Lywodraeth Cymru ddim y grymoedd sydd eu hangen dros weinyddu lles ar hyn o bryd er mwyn targedu yn y ffordd fwyaf effeithiol y bobl sydd angen cefnogaeth. Beth yw'ch canfyddiadau chi o ran beth fyddai'n bosibl? A fyddai'n bosibl datganoli gweinyddiaeth dros elfennau o'r system les? A hefyd, efallai'n benodol o ran y DAF, ie, wrth gwrs, dwi'n rhyw deimlo ar hyn o bryd, a dŷn ni wedi clywed gan rai o'r tystion y prynhawn yma, fod yna rhyw fath o fynd o un flwyddyn i flwyddyn arall. Mi wnaeth un o'r tystion sôn am y ffaith ein bod ni wastad mewn rhyw fath o gylch yn ailadrodd pethau yn hytrach na newid pethau yn radical. O ran y DAF, a oes angen newid parhaol i'r system yna lle dyw e ddim yn fater o fynd i ganfod y gefnogaeth yna, ond, fel gwnest ti sôn, dy fod ti'n cael yr arian yn gyntaf a ddim yn gorfod neidio drwy'r cylchoedd i brofi'r ffaith eich bod chi'n gymwys am rywbeth?
English: Thank you once again, Steffan. Just to return to the issue of the groups most affected, could I just ask you what you think the solution to this is? What should we be considering in terms of dealing with the problems faced by these groups? We're looking at women, for example, and focusing on them. Do you have any ideas as to how we could best provide support?
Welsh: Diolch yn fawr iawn eto, Steffan. Jest i ofyn eto ynglŷn â'r grwpiau sy'n cael eu heffeithio, beth ydych chi'n meddwl fydd yn ateb i hyn? Beth ydy'r ateb er mwyn inni i gyd drio edrych ar y broblem ynglŷn â'r grwpiau yma? Yn enwedig, rydyn ni'n edrych ar fenywod ac rydyn ni eisiau gwneud yn siŵr ein bod ni'n canolbwyntio ar fenywod. Oes gennych chi syniadau ynglŷn â hynny?
English: Thank you, Steffan.
Welsh: Diolch, Steffan.
English: A warm welcome to you all to this meeting of the Petitions Committee.
Welsh: Croeso cynnes ichi i gyd i gyfarfod y Pwyllgor Deisebau.
English: Good afternoon and welcome to this Plenary session. Before we begin, I want to set out a few points. This meeting will be held in a hybrid format, with some Members in the Senedd Chamber and others joining by video-conference. All Members participating in proceedings of the Senedd, wherever they may be, will be treated equitably. A Plenary meeting held using video-conference, in accordance with the Standing Orders of the Welsh Parliament, constitutes Senedd proceedings for the purposes of the Government of Wales Act 2006. Some of the provisions of Standing Order 34 will apply for today's Plenary, and those are set out on your agenda. And I would remind Members that Standing Orders relating to order in Plenary meetings apply to this meeting, and apply equally to Members in the Chamber as to those joining virtually.
Welsh: Prynhawn da. Croeso, bawb, i'r Cyfarfod Llawn. Cyn i ni ddechrau, dwi angen nodi ychydig o bwyntiau. Cynhelir y cyfarfod hwn ar ffurf hybrid, gyda rhai Aelodau yn y Siambr ac eraill yn ymuno drwy gyswllt fideo. Bydd yr holl Aelodau sy'n cymryd rhan yn nhrafodion y Senedd, lle bynnag y bônt, yn cael eu trin yn deg. Mae Cyfarfod Llawn a gynhelir drwy gynhadledd fideo, yn unol â Rheolau Sefydlog Senedd Cymru, yn gyfystyr â thrafodion y Senedd at ddibenion Deddf Llywodraeth Cymru 2006. Bydd rhai o ddarpariaethau Rheol Sefydlog 34 yn gymwys ar gyfer y Cyfarfod Llawn, ac mae'r rheini wedi eu nodi ar eich agenda chi. A dwi eisiau atgoffa'r Aelodau hefyd fod y Rheolau Sefydlog sy'n ymwneud â threfn yn y Cyfarfod Llawn yn berthnasol i'r cyfarfod yma, ac yr un mor berthnasol i'r Aelodau yn y Siambr â'r rheini sy'n ymuno drwy gyswllt fideo.
English: Llywydd, I thank the Member for that question. In a week when the support to businesses in Wales afforded by the furlough scheme has been withdrawn by the UK Government, the Welsh Government will continue to provide a comprehensive package of assistance to Welsh businesses.
Welsh: Llywydd, diolchaf i'r Aelod am y cwestiwn yna. Mewn wythnos pan fo'r cymorth i fusnesau yng Nghymru a ariannwyd gan y cynllun ffyrlo wedi ei dynnu yn ôl gan Lywodraeth y DU, bydd Llywodraeth Cymru yn parhau i ddarparu pecyn cynhwysfawr o gymorth i fusnesau Cymru.
English: First Minister, I'm sure you'll agree that a thriving retail sector is vital to the economic development of all communities across Wales. It is concerning for me, however, that almost one in five shops in Wales are now empty according to the Welsh Retail Consortium. One of the main factors causing the decline of our high streets is the high level of business rates here in Wales. I heard your answer to my colleague James Evans on this last week, when you said, and I quote, 'When a Labour Government is able to implement the policy for England, then the money will flow to Wales to allow us to continue to develop the scheme we have.' So, First Minister, why have you rejected the policy of your party in England of abolishing business rates when Wales is the only part of the UK where Labour is actually in power and can actually implement this? Thank you.
Welsh: Prif Weinidog, rwy'n siŵr y byddwch chi'n cytuno â mi fod sector manwerthu sy'n ffynnu yn hanfodol i ddatblygiad economaidd pob cymuned ledled Cymru. Mae'n destun pryder i mi, fodd bynnag, fod bron i un o bob pum siop yng Nghymru yn wag bellach yn ôl Consortiwm Manwerthu Cymru. Un o'r prif ffactorau sy'n achosi dirywiad ein strydoedd mawr yw'r lefel uchel o ardrethi busnes yma yng Nghymru. Clywais eich ateb i fy nghyd-Aelod James Evans ynghylch hyn yr wythnos diwethaf, pan wnaethoch chi ddweud, ac rwy'n dyfynnu, 'Pan fydd Llywodraeth Lafur yn gallu gweithredu'r polisi hwnnw ar gyfer Lloegr, yna bydd yr arian yn llifo i Gymru i ganiatáu i ni barhau i ddatblygu'r cynllun sydd gennym ni.' Felly, Prif Weinidog, pam ydych chi wedi gwrthod polisi eich plaid yn Lloegr i ddiddymu ardrethi busnes pan mai Cymru yw'r unig ran o'r DU lle mae Llafur mewn grym ac yn gallu gweithredu hyn mewn gwirionedd? Diolch.
English: Well, the answer to the question must be known to the person who asked it before she began the question. The money that comes to Wales depends upon decisions that are made by the UK Government, and then that money is passported to Wales through the Barnett formula. The minute your party in England abolishes business rates, there will be money in Wales for us to do the same. You have made no such promise. The next Labour Government will do that; then there will be money in Wales for us to be able to attend to business rates here.
Welsh: Wel, mae'n rhaid bod y sawl a ofynnodd y cwestiwn yn gwybod yr ateb iddo cyn iddi ddechrau'r cwestiwn. Mae'r arian sy'n dod i Gymru yn dibynnu ar benderfyniadau sy'n cael eu gwneud gan Lywodraeth y DU, ac yna mae'r arian hwnnw yn cael ei drosglwyddo i Gymru drwy fformiwla Barnett. Y funud y bydd eich plaid chi yn Lloegr yn diddymu ardrethi busnes, bydd arian yng Nghymru i ni wneud yr un peth. Nid ydych chi wedi gwneud unrhyw addewid o'r fath. Bydd y Llywodraeth Lafur nesaf yn gwneud hynny; yna bydd arian yng Nghymru i ni allu rhoi sylw i ardrethi busnes yma.
English: First Minister, a recent letter from the Federation of Small Businesses Cymru to Members of the Senedd called for key Welsh Government interventions to support businesses such as Business Wales and the Development Bank of Wales to be protected and developed. With continuing uncertainty around post-EU funding, and the UK Government's blatant attempts to reclaim both money and powers, do you agree this poses a threat to the ability of Welsh Government to develop made-in-Wales solutions to support businesses in Wales?
Welsh: Prif Weinidog, galwodd llythyr diweddar gan Ffederasiwn Busnesau Bach Cymru at Aelodau'r Senedd am ymyriadau allweddol gan Lywodraeth Cymru i gefnogi busnesau fel Busnes Cymru a Banc Datblygu Cymru i gael eu diogelu a'u datblygu. Gydag ansicrwydd parhaus ynghylch cyllid ar ôl yr UE, ac ymdrechion amlwg Llywodraeth y DU i adennill arian a phwerau, a ydych chi'n cytuno bod hyn yn fygythiad i allu Llywodraeth Cymru i ddatblygu atebion wedi eu llunio yng Nghymru i gynorthwyo busnesau yng Nghymru?
English: The Welsh Government is committed to supporting town centres. The Transforming Towns fund has many tens of millions of pounds in it that we are investing across Wales to create the town centres of the future. That is the point that I always try to make - that if we think we will sustain town centres and, indeed, the retail sector by just trying to go back to the way things used to be, I think that effort is doomed to fail. There is a future for town centres, but it will rely on a wider range of activities than simply retail. It will involve leisure activities, it will involve residential purposes, it will involve things that bring people into the centre of our towns in a way that will make them vibrant places that people will wish to visit. Now, there's a whole range of things we are doing: from one end of the spectrum, £200,000 to make sure that digital connectivity in some of our most disadvantaged town centres can be improved, to £15 million of investment to allow all local authorities to tackle those abandoned buildings that too often disfigure town centres and make it more difficult to make them the attractive places we wish them to be. When you add all of that up, Llywydd, as I say, it comes to over £100 million worth of investment for the purposes to which Jane Dodds has drawn attention.
Welsh: Mae Llywodraeth Cymru wedi ymrwymo i gynorthwyo canol trefi. Mae gan y gronfa Trawsnewid Trefi ddegau lawer o filiynau o bunnoedd ynddi yr ydym ni'n eu buddsoddi ledled Cymru i greu canol trefi'r dyfodol. Dyna'r pwynt yr wyf i bob amser yn ceisio ei wneud - os ydym ni'n credu y byddwn ni'n cynnal canol trefi ac, yn wir, y sector manwerthu dim ond trwy geisio mynd yn ôl i'r ffordd yr oedd pethau yn arfer bod, rwy'n credu bod yr ymdrech honno yn sicr o fethu. Mae dyfodol i ganol trefi, ond bydd yn dibynnu ar amrywiaeth ehangach o weithgareddau na manwerthu yn unig. Bydd yn cynnwys gweithgareddau hamdden, bydd yn cynnwys dibenion preswyl, bydd yn cynnwys pethau sy'n dod â phobl i ganol ein trefi mewn ffordd a fydd yn eu gwneud yn lleoedd bywiog y bydd pobl yn dymuno ymweld â nhw. Nawr, mae amrywiaeth eang o bethau yr ydym ni'n eu gwneud: o un pen i'r sbectrwm, £200,000 i wneud yn siŵr y gellir gwella cysylltedd digidol mewn rhai o'n canol trefi mwyaf difreintiedig, i £15 miliwn o fuddsoddiad i ganiatáu i bob awdurdod lleol fynd i'r afael â'r adeiladau segur hynny sy'n rhy aml yn difetha canol trefi ac yn ei gwneud hi'n fwy anodd eu gwneud nhw'n lleoedd deniadol yr ydym ni'n dymuno iddyn nhw fod. Pan fyddwch chi'n rhoi hynny i gyd at ei gilydd, Llywydd, fel y dywedais i, mae'n dod i werth dros £100 miliwn o fuddsoddiad at y dibenion y mae Jane Dodds wedi tynnu sylw atyn nhw.