English: Yes, Sam, I think we absolutely do need to look at an incentive programme for people. One of the mysteries of the world to me - you and I have discussed this when you had a previous hat on, as did I - is why house prices don't reflect various improvements. So, a huge mystery to me is why fully enabled broadband houses are not more expensive than ones that aren't, because if I was buying a house that didn't have any broadband in it, I'd knock the cost of putting the broadband in off the price of the house. So, I don't understand why that hasn't worked in the market, and energy efficiency is exactly the same. When you're buying a house, surely the fact that your bills are going to be £18 a year makes a huge difference to how much you're prepared to spend compared to several thousand pounds a year. I don't understand why the market hasn't worked. So, we will need to look at - and Rebecca Evans and I have already started some preliminary conversations about how this might work - an incentive programme for owner-occupiers, but I will say that is in the beginnings of that conversation. As I referenced in my statement, there are discussions with the Development Bank of Wales as well about loans and grant schemes, because we want to get this right. And as I've just said to Jenny Rathbone, we want to be sure that the advice we're giving people about investing their money produces the result that they are looking for in terms of energy efficiency, and that the capital investment they make is reflected in the value they get back, both in decreased energy bills, but also in the value of the asset. So, we're working on it, we're absolutely looking at incentives, and all good ideas are very welcome.
Welsh: Ie wir, Sam, rwyf i'n sicr o'r farn fod angen i ni ystyried rhaglen sy'n cymell pobl. Un o ddirgelion y byd i mi - rydych chi a minnau wedi trafod hyn yn rhinwedd eich swydd flaenorol, fel minnau - yw pam nad yw prisiau tai yn adlewyrchu gwelliannau amrywiol. Felly, mae hi'n ddirgelwch mawr i mi pam nad yw tai sydd â band eang yn costio mwy na'r rhai nad oes ganddyn nhw ddim, oherwydd pe bawn i'n prynu tŷ heb unrhyw fand eang, fe fyddwn i'n tynnu'r gost o osod band eang oddi ar bris y tŷ. Felly, nid wyf i'n deall pam nad yw hwnnw wedi bod yn ddylanwad ar y farchnad, ac mae effeithlonrwydd ynni yn union yr un fath â hynny. Pan fyddwch chi'n prynu tŷ, siawns bod y ffaith y bydd eich biliau chi'n costio £18 y flwyddyn o'i gymharu â miloedd o bunnoedd y flwyddyn yn gwneud gwahaniaeth enfawr i'r swm y byddwch chi'n barod i'w wario. Nid wyf i'n deall pam nad yw hynny wedi dylanwadu ar y farchnad. Felly, fe fydd angen i ni edrych ar - ac mae Rebecca Evans a minnau wedi dechrau rhai sgyrsiau rhagarweiniol ynghylch sut y gallai hyn weithio eisoes - raglen cymhelliant i berchen-feddianwyr, ond rwyf i am ddweud bod hynny'n gynnar yn y sgwrs honno. Fel cyfeiriais i yn fy natganiad, ceir trafodaethau gyda Banc Datblygu Cymru yn ogystal â chynlluniau benthyciadau a grantiau, oherwydd ein bod ni'n awyddus i wneud hyn yn iawn. Ac fel rwyf i newydd ei ddweud wrth Jenny Rathbone, rydym ni'n dymuno bod yn sicr fod y cyngor yr ydym ni'n ei roi i bobl am fuddsoddi eu harian nhw'n arwain at y canlyniad y maen nhw'n ei geisio o ran effeithlonrwydd ynni, a bod y buddsoddiad cyfalaf y maen nhw'n ei wneud yn cael ei adlewyrchu yn y gwerth y maen nhw'n ei gael yn ôl, gyda biliau ynni sy'n llai, ond o ran gwerth yr ased hefyd. Felly, rydym ni'n gweithio ar hyn, rydym ni'n sicr yn edrych ar gymhellion i bobl, ac mae croeso mawr i bob syniad da.