English: Thank you. Just to endorse what Ffrancon said: this national framework, but ensuring that there's a micro level in terms of localism as well, with community councils on the ground. The figures, the data are available, they know about their particular areas. But also, as a rural housing enabler, there's a network of us available across Wales, part paid by a grant from Welsh Government, from the Vale of Glamorgan to Monouthshire, to the north-west, Pembrokshire, Ceredigion and so on. So, it's important perhaps to use the information that's available through the rural housing enablers. But also, there are several points that have been made this morning in terms of these mixed tenancies, in terms of social housing and the open market. There is a ladder isn't there? Ideally, people would own their own homes. I'm looking forward to paying off my mortgage, so I don't have to worry about that cost, as costs continue to rise, but you have to imagine at the moment how young families feel, what with paying rent, trying to look for a house, looking for a deposit on a house. So, we need to ensure that we enable this framework to respond to that and that it works, and housing associations are part of the solution there too. We need more housing stock. We know that in terms of the waiting lists that exist. We've heard that this morning, but also because people want to buy homes. At the moment, in Ceredigion, you're talking about average wages being something like £22,000 and the average price of a house is £228,000. The wages multiplier there is 10.5, at least. No mortgage provider is going to lend at that rate, so we need to ensure that with these interventions - be that the premium on council tax - that funding then is allocated to ensuring that affordable homes are built for those people who want to remain in their areas, particularly in terms of areas where we're losing out on the Welsh language too. Mr Alun Davies, who's been to Aberystwyth University, is familiar with Ceredigion. Almost all of the county is a rural area. But there are differences of prices in terms of Aberystwyth and Tregaron. So, it's supply and demand, and that's the economy that we have.
Welsh: Diolch. Jest i ategu beth roedd Ffrancon yn ei ddweud, mewn ffordd: y fframwaith cenedlaethol, ond sicrhau bod yna lefel micro hefyd ar gael, o ran lleoliaeth efallai, gyda chyngorhau cymunedau sydd ar lawr gwlad. Mae'r ffigurau, mae'r data ar gael, maen nhw'n gwybod am eu hardaloedd. Ond hefyd, fel hwylusydd tai gwledig, mae yna rwydwaith ohonom ni ar gael ar draws Cymru, rhan yn daliedig gan grant o Lywodraeth Cymru, o Fro Morgannwg draw i Sir Fynwy, lan i'r gogledd orllewin, sir Benfro, Ceredigion a'r ffiniau. Felly, mae'n bwysig hefyd efallai i ddefnyddio gwybodaeth sydd ar gael gan hwyluswyr tai gwledig. Ond hefyd, mae sawl pwynt fanna bore yma wedi cael eu gwneud o ran y ddeiliadaeth gymysg yma sydd ar gael, o ran tai cymdeithasol a symud lan i dai'r farchnad agored. Mae yna ladder i gael, onid oes? Mae pobl yn ddelfrydol yn berchen ar eu tŷ eu hunain. Dwi'n edrych ymlaen at bennu fy morgais fy hunan, fel bod dim eisiau becso amboutu'r gost yna a chostau popeth arall yn mynd lan, ond rŷch chi'n gallu dychmygu fel mae teuluoedd ifanc yn teimlo ar hyn o bryd, rhwng talu rhent, trial edrych am dŷ, edrych am flaendal ar dŷ. Felly, mae eisiau i ni sicrhau ein bod ni'n galluogi'r fframwaith yma i wneud hynny i weithio, ac, eto, mae cymdeithasau tai yn rhan o'r ateb fanna. Mae eisiau mwy o stoc. Rydyn ni'n gwybod hynny o ran y rhestrau cofrestru sydd ar gael, fel sydd wedi cael ei ddweud bore yma yn barod, ond hefyd, wedyn, fel mae pobl eisiau prynu tai. Ar hyn o bryd, yng Ngheredigion, rydych chi'n siarad am gyflogau ar gyfartaledd yn rhywbeth fel £22,000 a phris cyfartalog tŷ ar hyn o bryd yn £228,000. Mae'r wages multiplier fanna yn 10.5, o leiaf. Does dim un cwmni morgais yn mynd i roi benthyg 10.5, felly mae eisiau i ni sicrhau bod yr ymyraethau yma yn cael eu rhoi mewn - efallai treth cyngor a'r premiwm ychwanegol - a bod yr arian yna ar gael i sicrhau bod yna dai fforddiadwy yn cael eu hadeiladu i'r bobl yma sydd eisiau aros yn eu hardaloedd, yn enwedig, eto, o ran ardaloedd ble rydyn ni yn colli mas ar yr iaith Gymraeg. Bydd Mr Alun Davies, sydd wedi bod yn y brifysgol yn Aberystwyth, yn gwybod am ardal fel Ceredigion - mae mwy neu lai y sir i gyd yn wledig. Ond, wrth gwrs, mae yna wahaniaethau prisiau rhwng Aberystwyth a beth sydd yng nghanol, efallai, Tregaron, achos dyna ni: supply and demand, yntefe? Dyna'r economi sydd gyda ni.