English: Certainly, I think a lack of data is a problem, and it's a problem we've had for a very long time. And one of the things that we've benefited from, in carrying out this research, is working with YouGov in terms of getting more up-to-date figures, and that's, hopefully, something that we can revisit during the year. But certainly we need more data in terms of people's financial circumstances. We have been looking at data on poverty, which comes from a three-year average, because the size of the sample in Wales isn't sufficient to look at it annually. So, that's just one example of where there is a lack of data. In terms of housing, I think one could argue that the housing system and the benefits system seem to expect people to be in debt. If you think of the bedroom tax, for example, we know that people are renting homes where the benefits system isn't going to be providing them with enough money to cover the cost of the house, and the system seems happy with that. So, that places great pressure on people. We know that the local housing allowance - . We've published some research on that recently. The LHA is meant to provide enough funding to cover the cheapest 30 per cent of housing, but we found that, if you were in receipt of benefits and were looking to rent on the private rental market this summer, the LHA covered less than 5 per cent of the homes in the market. So, the benefits system doesn't provide enough to people to cover their rent. So, we know that people are falling behind before they've even begun. And even in terms of social housing, the Joseph Rowntree Foundation published work showing that some 40,000 people had been pushed into poverty because the rents in social housing had been increasing more than inflation. So, the housing system has been in a difficult position for a very long time in terms of the issue of debt, and we know that people don't have enough money to cover their costs, and what the pandemic has done is to squeeze those on the lowest incomes, which makes their situation worse, of course. So, we need to reconsider how we in Wales support people in their housing needs, and also, of course, within the benefits system that we currently have. Also, I think there is scope to look at how we can provide more support to people when they get to a point where they start struggling. So, I very much welcome the announcement made by the Minister a fortnight ago in terms of the DAF and that they would continue with the criteria there. That makes it easier for people to access that support. But, can we look at whether we can retain some of these things in the longer term? So, if someone is having financial difficulty, we would provide them with funding first, rather than them then getting into debt first, because one they're in debt. the problem becomes worse. So, if we can provide people with support before they fall behind and get into debt, then that will make things much easier for everybody in the longer term in terms of dealing with people's financial situations.
Welsh: Yn sicr, rwy'n credu bod diffyg data yn broblem sydd wedi bod gyda ni ers amser maith, ac mae hi'n dal i fod yn broblem. Dyna un o'r pethau, rwy'n credu - rŷn ni wedi elwa yn yr ymchwil yma o allu gwneud yr ymchwil gyda YouGov a chael ffigurau mwy diweddar a mwy penodol o ran y cwestiwn yma, ac mae'n rhywbeth, rwy'n gobeithio efallai y gallwn ni ailymweld ag e erbyn diwedd y flwyddyn. Ond, yn sicr, mae angen fwy o ddata o ran sefyllfa ariannol pobl, a hyd yn oed - . Roedden ni'n edrych ar ddata o ran tlodi. Mae'r data yn gyfartaledd dros dair blynedd, achos dyw seis y sampl yng Nghymru ddim yn ddigonol i allu edrych arno fe bob blwyddyn, so mae hwnna jest yn un enghraifft o le mae yna ddiffyg data. O ran y sefyllfa dai, rwy'n credu bod modd dadlau bod y system dai sydd gyda ni ar y foment, a'r system les, bron â bod yn disgwyl i bobl fod mewn dyled. So, rwy'n meddwl o ran y dreth ystafell wely sbâr, er enghraifft, rydyn ni'n gwybod bod pobl yn rhentu tai ble dyw'r system budd-daliadau ddim yn mynd i fod yn rhoi digon o arian iddyn nhw i gyfro cost y tŷ, ac mae'r system yn hapus gyda hynny. So, mae hwnna'n rhoi pwysau ar bobl cyn cychwyn. Rydyn ni'n gwybod bod y system local housing allowance - . Gwnaethon ni gyhoeddi peth gwaith ymchwil ar hwnna'n ddiweddar hefyd. Mae'r LHA i fod i roi digon o arian i gyfro'r 30 y cant rhataf o dai mewn ardal, ond gwnaethon ni ganfod, os oeddech chi'n edrych am dŷ yr haf hwn, a'ch bod chi'n derbyn budd-daliadau, a'ch bod chi'n moyn rhywle i rentu ar y farchnad breifat, fod yr LHA ddim ond yn cyfro llai na 5 y cant o'r tai oedd ar y farchnad. So, rhywun oedd yn symud yr haf yma - . Rôn ni'n gwybod - . Dyw'r system budd-daliadau ddim yn rhoi digon i bobl i gyfro cost eu rhent, so rŷn ni'n gwybod bod pobl ar eu hôl hi cyn hyd yn oed cychwyn. A hyd yn oed gyda'r system dai cymdeithasol, gwnaeth Sefydliad Joseph Rowntree gyhoeddi gwaith oedd yn dangos bod tua 40,000 o bobl wedi cael eu gwthio i mewn i dlodi achos bod rhent y system gymdeithasol wedi bod yn codi o flaen chwyddiant. So, mae'r system dai wedi bod mewn sefyllfa anodd ers amser maith, rili, o ran dyled, ac rydyn ni'n gwybod nad oes gan bobl ddigon o arian i gyfro'u costau. A beth mae'r pandemig wedi'i wneud yw gwasgu'r rheini sydd ar yr incymau isaf, sydd wedi gwneud i'w sefyllfa fynd yn waeth. So, mae angen ailystyried sut rŷn ni yng Nghymru yn cefnogi pobl gyda'u sefyllfa tai, a hefyd, wrth gwrs, o fewn y gyfundrefn system les sydd gyda ni ar y foment. Hefyd, dwi'n credu bod yna le i edrych o ran fel rŷn ni'n rhoi mwy o gymorth i bobl wrth iddyn nhw ddod at bwynt lle maen nhw'n stryglo'n ariannol. Felly, rŷn ni'n croesawu'n fawr cyhoeddiad y Gweinidog bythefnos yn ôl o ran DAF a'n bod ni'n parhau gyda'r meini prawf. Mae hynny'n ei gwneud hi'n haws i bobl gael y cymorth yna. Ond, ydyn ni'n gallu edrych i weld a ydyn ni'n gallu cadw rhai o'r pethau yna yn y tymor hir? So, os yw rhywun yn ei chael hi'n anodd yn ariannol, rŷn ni'n rhoi arian i bobl yn gyntaf yn hytrach na phobl yn mynd i ddyled yn gyntaf, achos unwaith maen nhw mewn dyled, mae'r broblem yn gwaethygu. So, os ydyn ni'n gallu rhoi arian i bobl ac rŷn ni'n gallu rhoi cymorth i bobl cyn eu bod nhw'n cwympo ar ei hôl hi, mae hynny'n mynd i wneud pethau lot yn haws i bawb yn y tymor hir o ran delio gyda sefyllfa ariannol pobl.