English: Diolch, Dirprwy Lywydd. Could I ask the finance Minister to explain how her strategy in terms of business rates relief in Wales differs from that being pursued by the UK Government? They announced today that the 50 per cent retail discount that they have next year is going up to 100 per cent and being extended to leisure and hospitality. Is that an approach that she is attracted to? And the other efforts they have to support small business, some seem to be on the cusp of what's devolved and what's not. For instance, the British business bank start-up loan fund that they're increasing; by virtue of its name, I assume that businesses in Wales are eligible for that, but I do not know as a fact whether they are. And, what sounded like a rate relief measure in the budget is actually not under the business rates relief heading, but comes under a separate small business grant funding heading, but it seems to have been limited to England through making a £2.2 billion payment through English local authorities and then they give £3,000 back to every business that benefits from their small business rate relief. To extend that small business grant funding, is it right that that should be done by the UK Government on an England-only basis, given what's devolved here? And I don't expect the Minister to announce her decisions for small business rate relief within an hour or two of the UK budget here, but I wonder if she could say something about her strategy and the outcomes and what she's trying to achieve through that and how that differs from Wales to England.
Welsh: Diolch, Ddirprwy Lywydd. A gaf fi ofyn i'r Gweinidog cyllid egluro sut y mae ei strategaeth mewn perthynas â rhyddhad ardrethi busnes yng Nghymru yn wahanol i strategaeth Llywodraeth y DU? Cyhoeddasant heddiw fod y gostyngiad manwerthu o 50 y cant sydd ganddynt y flwyddyn nesaf yn codi i 100 y cant ac yn cael ei ymestyn i gynnwys meysydd hamdden a lletygarwch. A yw'r dull hwnnw o weithredu at ei dant? Ac o ran yr ymdrechion eraill sydd ganddynt i gefnogi busnesau bach, mae'n ymddangos bod rhai ar y ffin o ran yr hyn sydd wedi'i ddatganoli a'r hyn nad yw wedi'i ddatganoli. Er enghraifft, maent yn cynyddu cronfa fenthyciad banc busnes Prydain ar gyfer dechrau busnes; o ran ei henw, rwy'n tybio bod busnesau yng Nghymru'n gymwys i gael hwnnw, ond nid wyf yn gwybod hynny'n bendant. Ac nid yw'r hyn a oedd yn swnio fel mesur rhyddhad ardrethi yn y gyllideb yn dod o dan y pennawd rhyddhad ardrethi busnes, mae'n dod o dan gyllid grant ar wahân ar gyfer busnesau bach, ond ymddengys ei fod wedi'i gyfyngu i Loegr gan fod taliad o £2.2 biliwn wedi'i wneud drwy awdurdodau lleol yn Lloegr ac yna maent yn rhoi £3,000 yn ôl i bob busnes sy'n elwa ar eu rhyddhad ardrethi i fusnesau bach. I ymestyn y cyllid grant i fusnesau bach, a yw'n iawn y dylai Llywodraeth y DU wneud hynny ar sail Lloegr yn unig, o ystyried yr hyn sydd wedi'i ddatganoli yma? Ac nid wyf yn disgwyl i'r Gweinidog gyhoeddi ei phenderfyniadau am ryddhad ardrethi busnesau bach o fewn awr neu ddwy i gyllideb y DU yma, ond tybed a allai ddweud rhywbeth am ei strategaeth a'r canlyniadau a'r hyn y mae'n ceisio ei gyflawni drwy hynny a sut y mae hynny'n wahanol yng Nghymru ac yn Lloegr.