English: Thank you, Delyth. That is absolutely right. I've met myself with many of the families that have been affected, and it's absolutely right that they are very severely impacted. One family told me that their three-year-old was very scared every time it rained even normally because they'd been flooded and she was worried about it. So, it's a real problem. The first thing to do is to make sure that we manage to get a programme in place that extends the flood protection to properties, so that we can minimise that risk as much as is humanly possible. I will certainly speak to my colleague Jeremy Miles about doing something in the schools in particularly affected areas - I think that's a very good idea, to just discuss exactly how the children feel about it and what can be done. So, I'm certainly very happy to do that. We have got the National Infrastructure Commission for Wales - I should have mentioned earlier - also looking at this from the point of view of resilience for infrastructure. But infrastructure includes social infrastructure as well, so I'd be very interested to see what they come up with. We are very aware of the society and community impacts of this. This isn't just, as you say, about carpets and so on, although that can be pretty devastating. It is absolutely about the psychological effect of having your home no longer feel like your home, so we certainly do get that. I've visited a number of homes that have been flooded and people have kept a small mark on the wall to show where it got to, because it's traumatising for them. So, I completely accept that, Delyth, and I think we really do want to work with our communities to make sure (a) that they're as resilient as possible, and (b) that the recovery process is as fast as is humanly possible. And I've already mentioned that we'll be working with the UK Government to do something about the insurance situation. The Flood Re insurance is available for domestic properties, but, actually, it's got a time limit on it, so we need to make sure that there's another programme in place. And as I said, commercial property currently isn't covered by it, and there's a range of issues around the difficulty of that. But that shouldn't be impossible to overcome, so we've asked for meetings with the insurance sector about how to do that, in conjunction with the UK Government, because, frankly, the market isn't big enough in Wales for us to be able to make any impact, so we'll work with them to make sure that we can get a suitable scheme in place. In the meantime, we've asked our local authorities to assess the damage for local businesses and to work with them to make sure they can recover.
Welsh: Diolch i chi, Delyth. Mae hynny'n gwbl gywir. Rwyf i wedi cyfarfod yn bersonol gyda nifer o'r teuluoedd sydd wedi cael eu heffeithio, ac mae hi'n gwbl gywir eu bod nhw wedi cael eu dylanwadu mewn ffordd ddifrifol iawn. Dywedodd un teulu wrthyf i fod eu plentyn tair oed yn bryderus iawn bob tro yr oedd hi'n bwrw glaw hyd yn oed yn arferol am eu bod nhw wedi cael llifogydd ac roedd hi'n poeni am hynny. Felly, mae hi'n broblem wirioneddol. Y peth cyntaf i'w wneud yw sicrhau ein bod ni'n llwyddo i gael rhaglen ar waith sy'n ehangu amddiffyniad rhag llifogydd i dai, er mwyn lleihau'r perygl o hynny gymaint ag y gallwn ni. Fe fyddaf yn sicr o siarad â'm cydweithiwr Jeremy Miles ynglŷn â gwneud rhywbeth yn yr ysgolion mewn ardaloedd a gafodd eu heffeithio yn arbennig - rwy'n credu bod hwnnw'n syniad da iawn, sef trafod yn union sut mae'r plant yn teimlo ynghylch hyn a'r hyn a ellir ei wneud. Felly, rwy'n sicr yn hapus iawn i wneud hynny. Mae Comisiwn Seilwaith Cenedlaethol Cymru gennym ni - fe ddylwn i fod wedi sôn amdano'n gynharach - sydd hefyd yn edrych ar hyn o safbwynt cadernid ar gyfer seilwaith. Ond mae seilwaith yn cynnwys seilwaith cymdeithasol hefyd, felly fe fydd hi'n dda iawn gennyf i gael gwybod beth fydden nhw'n ei gynnig. Rydym ni'n ymwybodol iawn o effeithiau hyn yn gymdeithasol a chymunedol. Nid, fel y dywedwch chi, am garpedi ac ati yw hyn, er y gall hynny fod yn ddinistriol iawn. Mae hyn yn sicr yn ymwneud ag effaith seicolegol cael eich amddifadu o ymdeimlad o gartref, felly rydym ni'n sicr yn amgyffred hynny. Rwyf i wedi ymweld â nifer o gartrefi sydd wedi gweld llifogydd ac mae pobl wedi rhoi marc bach ar y wal i ddangos i le y cyrhaeddodd, am fod hynny wedi cael cymaint o effaith arnyn nhw. Felly, rwy'n derbyn hynny'n llwyr, Delyth, ac rwy'n credu ein bod ni wir yn awyddus i weithio gyda'n cymunedau i wneud yn siŵr (a) eu bod nhw mor gadarn â phosibl, a (b) bod y broses adfer mor gyflym â phosibl. Ac rwyf i wedi sôn eisoes y byddwn ni'n gweithio gyda Llywodraeth y DU i wneud rhywbeth am y sefyllfa o ran yswiriant. Mae yswiriant Flood Re ar gael ar gyfer tai domestig, ond, mewn gwirionedd, mae terfyn amser yn hynny o beth, felly mae angen i ni wneud yn siŵr bod rhaglen arall yn ei lle. Ac fel y dywedais i, nid yw eiddo masnachol yn cael ei gynnwys yn hynny ar hyn o bryd, ac fe geir amrywiaeth o faterion sy'n peri anhawster ynglŷn â hynny. Ond ni ddylai hynny fod yn amhosib ei oresgyn, ac felly rydym ni wedi gofyn am gyfarfodydd gyda'r sector yswiriant ynglŷn â dulliau o wneud hynny, ar y cyd â Llywodraeth y DU, oherwydd, a dweud y gwir, nid yw'r farchnad yn ddigon eang yng Nghymru i ni allu bod ag unrhyw ddylanwad, felly fe wnawn ni weithio gyda nhw i sicrhau ein bod ni'n gallu rhoi cynllun addas ar waith. Yn y cyfamser, rydym ni wedi gofyn i'n hawdurdodau lleol asesu'r difrod i fusnesau lleol a gweithio gyda nhw i wneud yn siŵr y gallan nhw gael eu hadfer.