English: And since this report was published, unfortunately the situation has worsened. Many Members have highlighted the appalling reality for far too many families, and just to return to one of the points Jenny Rathbone made, for those people that are helping, there will be real challenges, and I think it is true that help for the hungry will be stopped to be better able to help the starving. That will be the truth in far too many of our communities. And the instability in the UK Government has undeniably led to more uncertainty over the interventions to support families and businesses, in Wales and across the UK. The previous mini-budget that led to the collapse of the pound, the chaos in financial markets, had real consequences, not just the near-collapse of UK pension funds and the intervention of the Bank of England - it led to soaring borrowing costs and further pressure on inflation and interest rates, and that hits businesses, families, and of course all of those people with a mortgage, including the many thousands of people who every month come off a fixed price deal and go onto a standard rate that will now be much more than they expected. Now, some help was made available. The £2,500 energy price cap - that's the average energy price, of course; we know that it wasn't a hard cap - that was for two years, and then backtracked to have a six-month period of time. But, even with that support, the average household energy bill has almost doubled compared to April 2021. And the energy bill relief scheme should relieve some of the pressures on businesses, but the UK Government really do need to pass the necessary legislation swiftly, to make sure payments get into the accounts of businesses so they don't go under before the help is provided, and that they're passed on to non-domestic customers, and that's not just businesses, of course; lots of our key public services, including schools, are in that category, and really do need the help that has been signalled. Now, whilst I do welcome the support that has been signalled, it may not be sufficient for some of our small and medium-sized businesses who are still facing up to sixfold increases in energy costs. A high proportion of those businesses were struggling with the pace of the recovery post pandemic. The Bank of England predicts a historic drop of 14 per cent in UK GDP this year, as well of course as a long-lasting recession that we may already be into. I have responded formally to the recommendations, and, as has been noted, the Government agrees with the great majority of them, either in full or in principle. The Government has already established a Cabinet sub-committee specifically to discuss and address the support that we are able to provide, and we're doing that with our partners in the third sector, in local government, and indeed a range of others. The recommendations made are part of the work that we're taking forward, and that includes the work on warm hubs that Sarah Murphy highlighted. And we're concerned about the need to do this. It's extraordinary that, in a country like ours, we're having to consider how to do it, but to do it in a way where there isn't stigma around the provision but it does provide friendship and companionship. I certainly do recognise the point that Sarah Murphy made about making sure there's decent Wi-Fi access - a good reason for people to go there. A range of the hubs already have that, but we will of course look, and it's a good thing that the social justice Minister is here, at how we can ensure that those hubs do have decent Wi-Fi access. We're working with analysts across Government, as indeed has been mentioned, on the collection, analysis and publication of data on the cost-of-living realities, and ensuring that helps to shape Government interventions. The chief statistician will shortly provide information on how to access cost-of-living data. We'll carry on working closely with the Office for National Statistics and Data Cymru on other user-friendly ways to access that data. The development bank continues to support Welsh businesses. We've also committed to invest more than £20 million a year into the Business Wales service from April 2023 to March 2025. That demonstrates our commitment to entrepreneurs, micro and SME businesses, to help provide them with the information, support and guidance they need to survive the very real challenges that we face. We also continue to invest in our skills programme to support employers. We'll continue with a budget of £30 million that has been allocated towards improving domestic energy efficiency in low-income households, including off-grid properties, through a range of Welsh Government programmes. And in the next financial year, we want to continue to support SMEs, and we'll continue to look at what will be available to us on non-domestic rates, but, of course, we'll have to wait to see what happens tomorrow to understand what that does to the reality of Welsh Government resources. We will do everything that we can to support people through this cost-of-living crisis in targeting help and support, but we'll have to be honest about the range of measures that are available to us, as we do, I'm afraid, expect there to be a further squeeze on the financial capability of this Government following tomorrow's statement, and potentially in the years ahead. Many businesses in Wales are supporting their customers, and, indeed, their staff. Iceland, for example, have provided a range of services to assist their customers, including 10 per cent discounts on a Tuesday for people aged over 60, and interest-free loans for some of their customers. And Valero, an example of a different employer in Pembrokeshire, well, they're also providing extra support for Pembrokeshire foodbanks and looking at a hygiene drive to help provide goods to families and children. As I mentioned at the start, a lot has happened since this report was published: different Prime Ministers - plural - and now we're on to our fourth Chancellor this year. The uncertainty and the lack of clarity means we don't really know what our budget position will be next year, and it affects our ability to plan for the future, as indeed it does for families, public services and businesses. We'll continue to press the UK Government to use all the levers as its disposal, including a meaningful windfall tax on energy companies, who themselves say that they should pay more to support people through the cost-of-living crisis. We've been clear about our priorities to support people and businesses. The mini-budget 2, tomorrow, will make a huge difference. It could help, but it could well make matters even worse. The next few days will be difficult, but the next year, I'm afraid, could be even more difficult for far too many citizens and businesses in Wales and across the UK.
Welsh: Ac ers cyhoeddi'r adroddiad hwn, yn anffodus, mae'r sefyllfa wedi gwaethygu. Mae llawer o Aelodau wedi tynnu sylw at y realiti echrydus i ormod lawer o deuluoedd, a chan ddychwelyd at un o'r pwyntiau a wnaeth Jenny Rathbone, bydd heriau gwirioneddol i'r bobl sy'n helpu, a chredaf ei bod yn wir y bydd help i'r llwglyd yn cael ei atal er mwyn rhoi mwy o gymorth i'r newynog. Dyna fydd y gwir mewn gormod lawer o'n cymunedau. Ac mae'r ansefydlogrwydd yn Llywodraeth y DU, heb os, wedi arwain at fwy o ansicrwydd ynghylch yr ymyriadau i gefnogi teuluoedd a busnesau, yng Nghymru a ledled y DU. Arweiniodd y gyllideb fach flaenorol a arweiniodd at gwymp y bunt, yr anhrefn yn y marchnadoedd ariannol, at ganlyniadau gwirioneddol, nid yn unig i gronfeydd pensiwn y DU a fu bron â methu'n llwyr, ac ymyrraeth Banc Lloegr - arweiniodd at gostau benthyca cynyddol a phwysau pellach ar chwyddiant a chyfraddau llog, ac mae hynny'n taro busnesau, teuluoedd, ac wrth gwrs, yr holl bobl sydd â morgeisi, gan gynnwys y miloedd lawer o bobl sy'n dod oddi ar gytundeb pris sefydlog bob mis ac yn mynd ar gyfradd safonol a fydd bellach yn llawer mwy nag oeddent yn ei ddisgwyl. Nawr, cafodd rhywfaint o gymorth ei roi. Y cap o £2,500 ar bris ynni - y pris ynni cyfartalog yw hynny, wrth gwrs; gwyddom nad oedd yn gap caled - roedd hwnnw i fod i bara am ddwy flynedd, ac yna fe'i newidiwyd i gyfnod o chwe mis. Ond hyd yn oed gyda'r cymorth hwnnw, mae bil ynni cyfartalog cartrefi bron wedi dyblu o gymharu â mis Ebrill 2021. A dylai'r cynllun rhyddhad ar filiau ynni leddfu rhywfaint o'r pwysau ar fusnesau, ond mae gwir angen i Lywodraeth y DU basio'r ddeddfwriaeth angenrheidiol yn gyflym, i sicrhau bod taliadau'n mynd i mewn i gyfrifon busnesau fel nad ydynt yn mynd i'r wal cyn i'r cymorth gael ei ddarparu, a'u bod yn cael eu trosglwyddo i gwsmeriaid annomestig, ac nid busnesau'n unig yw'r rheini, wrth gwrs; mae llawer o'n gwasanaethau cyhoeddus allweddol, gan gynnwys ysgolion, yn y categori hwnnw, ac mae gwir angen y cymorth a gyhoeddwyd arnynt. Nawr, er fy mod yn croesawu'r cymorth a gyhoeddwyd, efallai na fydd yn ddigon i rai o'n busnesau bach a chanolig sy'n dal i wynebu costau ynni hyd at chwe gwaith yn uwch. Roedd cyfran uchel o'r busnesau hynny'n ei chael hi'n anodd gyda chyflymder yr adferiad ar ôl y pandemig. Mae Banc Lloegr yn rhagweld gostyngiad hanesyddol o 14 y cant yng nghynnyrch domestig gros y DU eleni, yn ogystal, wrth gwrs, â dirwasgiad hirdymor y gallem fod ynddo eisoes. Rwyf wedi ymateb yn ffurfiol i'r argymhellion, ac fel y nodwyd, mae'r Llywodraeth yn cytuno â'r mwyafrif helaeth ohonynt, naill ai'n llawn neu mewn egwyddor. Mae'r Llywodraeth eisoes wedi sefydlu is-bwyllgor Cabinet yn benodol er mwyn trafod a mynd i'r afael â'r cymorth y gallwn ei ddarparu, ac rydym yn gwneud hynny gyda'n partneriaid yn y trydydd sector, mewn llywodraeth leol, ac ystod o rai eraill yn wir. Mae'r argymhellion a wnaed yn rhan o'r gwaith rydym yn bwrw ymlaen ag ef, ac mae hynny'n cynnwys y gwaith ar hybiau cynnes y tynnodd Sarah Murphy sylw ato. Ac rydym yn pryderu am yr angen i wneud hyn. Mae'n rhyfeddol ein bod, mewn gwlad fel ein gwlad ni, yn gorfod ystyried sut i wneud hynny, ond i wneud hynny mewn ffordd lle nad oes stigma ynghylch y ddarpariaeth ac sy'n darparu cyfeillgarwch a chwmnïaeth. Rwy'n sicr yn cydnabod y pwynt a wnaeth Sarah Murphy ynglŷn â sicrhau bod mynediad da at Wi-Fi ar gael - rheswm da i bobl fynd yno. Mae hynny eisoes ar gael mewn amryw o'r hybiau, ond wrth gwrs, byddwn yn edrych i weld, ac mae'n beth da fod y Gweinidog cyfiawnder cymdeithasol yma, sut y gallwn sicrhau bod gan yr hybiau hynny fynediad da at Wi-Fi. Rydym yn gweithio gyda dadansoddwyr ar draws y Llywodraeth, fel y crybwyllwyd, ar gasglu, dadansoddi a chyhoeddi data ar agweddau ar realiti costau byw, a sicrhau bod hynny'n helpu i lywio ymyriadau'r Llywodraeth. Bydd y prif ystadegydd yn rhoi gwybodaeth cyn bo hir ynglŷn â sut i gael mynediad at ddata costau byw. Byddwn yn parhau i weithio'n agos gyda'r Swyddfa Ystadegau Gwladol a Data Cymru ar ffyrdd eraill hawdd eu defnyddio o gael mynediad at y data hwnnw. Mae'r banc datblygu'n parhau i gefnogi busnesau Cymru. Rydym hefyd wedi ymrwymo i fuddsoddi mwy na £20 miliwn y flwyddyn yng ngwasanaeth Busnes Cymru rhwng mis Ebrill 2023 a mis Mawrth 2025. Mae hynny'n dangos ein hymrwymiad i entrepreneuriaid, microfusnesau a busnesau bach a chanolig, i helpu i roi'r wybodaeth, y cymorth a'r arweiniad sydd eu hangen arnynt i oroesi'r heriau gwirioneddol sy'n ein hwynebu. Rydym hefyd yn parhau i fuddsoddi yn ein rhaglen sgiliau i gefnogi cyflogwyr. Byddwn yn parhau â chyllideb o £30 miliwn sydd wedi'i dyrannu tuag at wella effeithlonrwydd ynni domestig mewn aelwydydd incwm isel, gan gynnwys eiddo nad yw ar y grid, drwy ystod o raglenni Llywodraeth Cymru. Ac yn y flwyddyn ariannol nesaf, rydym am barhau i gefnogi busnesau bach a chanolig, a byddwn yn parhau i edrych ar yr hyn a fydd ar gael i ni ar ardrethi annomestig, ond wrth gwrs, bydd rhaid inni aros i weld beth sy'n digwydd yfory i ddeall beth y mae hynny'n ei wneud i realiti adnoddau Llywodraeth Cymru. Byddwn yn gwneud popeth a allwn i gefnogi pobl drwy'r argyfwng costau byw hwn drwy dargedu cymorth a chefnogaeth, ond bydd rhaid inni fod yn onest am yr ystod o fesurau sydd ar gael i ni, gan ein bod, mae arnaf ofn, yn disgwyl cyfyngiadau pellach ar allu ariannol y Llywodraeth hon yn dilyn y datganiad yfory, ac o bosibl, yn y blynyddoedd i ddod. Mae llawer o fusnesau yng Nghymru yn cefnogi eu cwsmeriaid, a'u staff yn wir. Mae Iceland, er enghraifft, wedi darparu ystod o wasanaethau i gynorthwyo eu cwsmeriaid, gan gynnwys gostyngiadau o 10 y cant ar ddydd Mawrth i bobl dros 60 oed, a benthyciadau di-log i rai o'u cwsmeriaid. A Valero, enghraifft o gyflogwr gwahanol yn sir Benfro, wel, maent hwy hefyd yn rhoi cymorth ychwanegol i fanciau bwyd sir Benfro ac yn edrych ar ymgyrch hylendid i helpu i ddarparu nwyddau i deuluoedd a phlant. Fel y soniais ar y dechrau, mae llawer wedi digwydd ers cyhoeddi'r adroddiad hwn: gwahanol Brif Weinidogion y DU - mwy nag un - a bellach mae gennym ein pedwerydd Canghellor eleni. Mae'r ansicrwydd a'r diffyg eglurder yn golygu nad ydym yn gwybod, mewn gwirionedd, beth fydd ein sefyllfa o ran y gyllideb y flwyddyn nesaf, ac mae hynny'n effeithio ar ein gallu i gynllunio ar gyfer y dyfodol, yn wir, fel teuluoedd, gwasanaethau cyhoeddus a busnesau. Byddwn yn parhau i bwyso ar Lywodraeth y DU i ddefnyddio'r holl ysgogiadau sydd ar gael iddi, gan gynnwys treth ffawdelw ystyrlon ar gwmnïau ynni, sydd eu hunain yn dweud y dylent dalu mwy i gefnogi pobl drwy'r argyfwng costau byw. Rydym wedi nodi ein blaenoriaethau i gefnogi pobl a busnesau yn glir. Bydd cyllideb fach 2, yfory, yn gwneud gwahaniaeth enfawr. Gallai helpu, ond gallai'n hawdd wneud pethau hyd yn oed yn waeth. Bydd yr ychydig ddyddiau nesaf yn anodd, ond mae arnaf ofn y gallai'r flwyddyn nesaf fod hyd yn oed yn anos i lawer gormod o ddinasyddion a busnesau yng Nghymru a ledled y DU.