English: Thank you very much indeed for all your very useful contributions. As Jane Dodds said, we've all been weathering the same COVID storm, but we've not been rowing in the same boat; I think that's a really useful allegory. I think it was particularly useful that Jane Dodds mentioned the debt bonfire issue and the legacy debts that really hang around people's necks. For example, Shelter highlighted that people who got into rent arrears years ago are still being prevented from getting back onto the social housing waiting list, and that's a really good example of how once in debt, it's very, very difficult for people on low incomes to get out of it. It's fine if you have very large debts, then the bank's wanting to give you some more, but that's not the case for the people we're looking at here. Thank you, Altaf, for highlighting the link between financial health and mental health, and the disproportionate impact that this has on people's ability to function and to get themselves out of debt. Also, I think the important point you raised about how we really do need good information to understand the complexity of the debts that people are suffering, because the equalities data unit is going to really bring together all these issues so that we have a better understanding of the link, for example, between debt and the age or the status of individuals, whether they're disabled, whether they're young, the type of accommodation they're in. So, I think that's a very important point that I'm sure the Minister will be taking a very close interest in. As Altaf said, people expect all Governments to act, whether it's the UK Government or the Welsh Government, and they don't expect people to be bystanders in such a crisis. And turning to what Sioned said, that all the problems that people already had, they were already indebted before the pandemic, but this has been exacerbated by the pandemic, highlighting the fact that we could be facing Victorian levels of poverty, which is very, very scary. So, problem debt increases the inequalities that already exist in our society, and being in one of the richest countries in the world and seeing people having to cut items of food in order to heat their home is really unacceptable. I think that Sarah Murphy gave us also some very useful particular instances of how the pandemic and the debt crisis are affecting people in her own constituency, and it's very important to look at it in the granular detail that she has done. I think the description of the people who couldn't even go to the newsagent to top up their prepayment cards - they had to appeal to the charity of the energy companies to send them some energy credits, so that they could keep the lights on and have some heating, and just worry about the cost later. I think Sarah also mentioned the important role that credit unions can play and the fact that there are no third-party shareholders; they look at people as human beings, and the money that they are handling, it keeps circulating in local communities. These are really important points about the foundational economy.
Welsh: Diolch yn fawr iawn am eich holl gyfraniadau defnyddiol iawn. Fel y dywedodd Jane Dodds, rydym i gyd wedi dod drwy'r un storm COVID, ond nid ydym wedi bod yn rhwyfo yn yr un cwch; rwy'n credu bod honno'n alegori ddefnyddiol iawn. Credaf ei bod yn arbennig o ddefnyddiol fod Jane Dodds wedi sôn am goelcerthi dyledion a'r dyledion etifeddol sy'n pwyso'n drwm ar ysgwyddau pobl. Er enghraifft, tynnodd Shelter sylw at y ffaith bod pobl a gronnodd ôl-ddyledion rhent flynyddoedd yn ôl yn dal i gael eu hatal rhag mynd ar y rhestr o bobl sy'n aros am dai cymdeithasol, ac mae honno'n enghraifft dda iawn o sut y mae'n anodd iawn i bobl ar incwm isel ddod allan o ddyled ar ôl mynd iddi. Mae'n iawn os oes gennych ddyledion mawr iawn, mae'r banc yn fodlon rhoi mwy i chi bryd hynny, ond nid dyna fel mae hi i'r bobl rydym yn sôn amdanynt yma. Diolch, Altaf, am dynnu sylw at y cysylltiad rhwng iechyd ariannol ac iechyd meddwl, a'r effaith anghymesur y mae hyn yn ei chael ar allu pobl i weithredu a dod allan o ddyled. Hefyd, credaf eich bod wedi codi pwynt pwysig ynglŷn â sut y mae gwir angen gwybodaeth dda i ddeall cymhlethdod y dyledion y mae pobl yn eu dioddef, oherwydd bydd yr uned data cydraddoldeb yn dod â'r holl faterion hyn at ei gilydd fel bod gennym well dealltwriaeth o'r cysylltiad, er enghraifft, rhwng dyled ac oedran neu statws unigolion, a ydynt yn anabl, a ydynt yn ifanc, pa fath o lety y maent yn byw ynddo. Felly, credaf fod hwnnw'n bwynt pwysig iawn ac rwy'n siŵr y bydd gan y Gweinidog ddiddordeb mawr yn hynny. Fel y dywedodd Altaf, mae pobl yn disgwyl i bob Llywodraeth weithredu, boed yn Llywodraeth y DU neu Lywodraeth Cymru, ac nid ydynt yn disgwyl i bobl wneud dim mewn argyfwng o'r fath. Ac i droi at yr hyn a ddywedodd Sioned, fod yr holl broblemau a oedd gan bobl eisoes, eu bod eisoes mewn dyled cyn y pandemig, ond bod hyn wedi'i waethygu gan y pandemig, gan dynnu sylw at y ffaith y gallem fod yn wynebu lefelau tlodi Fictoraidd, sy'n frawychus iawn. Felly, mae dyled broblemus yn cynyddu'r anghydraddoldebau sydd eisoes yn bodoli yn ein cymdeithas, ac mae bod yn un o'r gwledydd cyfoethocaf yn y byd a gweld pobl yn gorfod mynd heb eitemau o fwyd er mwyn gwresogi eu cartref yn gwbl annerbyniol. Rwy'n credu bod Sarah Murphy wedi rhoi enghreifftiau penodol defnyddiol iawn i ni hefyd o sut y mae'r pandemig a'r argyfwng dyled yn effeithio ar bobl yn ei hetholaeth hi, ac mae'n bwysig iawn edrych ar y mater ar lefel fanwl fel y mae hi wedi'i wneud. Credaf fod y disgrifiad o'r bobl nad oeddent yn gallu mynd i'r siop leol i ychwanegu credyd at eu cardiau ynni hyd yn oed - roedd yn rhaid iddynt apelio at elusen y cwmnïau ynni i anfon credydau ynni atynt, fel y gallent gadw'r golau ymlaen a chael rhywfaint o wres, a phoeni am y gost wedyn. Credaf fod Sarah hefyd wedi sôn am y rôl bwysig y gall undebau credyd ei chwarae a'r ffaith nad oes unrhyw gyfranddalwyr trydydd parti; maent yn edrych ar bobl fel bodau dynol, ac mae'r arian y maent yn ei drin yn parhau i gylchredeg mewn cymunedau lleol. Mae'r rhain yn bwyntiau pwysig iawn am yr economi sylfaenol.