English: I take Mark Isherwood's point. This is a very complex area. What we were concerned about as a committee is that, although we saw the ambition of Banc Cambria, we were concerned about the consequences on credit unions and other organisations, in terms of having a negative impact, and perhaps the unintended consequences on other services. But it is a very hugely complex area, and the Welsh Government has to, I think, work hard at the levers that it has at its disposal. Our inquiry I think barely scratched the surface, but hopefully we've shone some light, perhaps, on this in terms of what banks have to face. I will end my contribution. Jack Sargeant did say he wanted to wish a happy Christmas in terms of - . I think he said he wanted to wish everyone - . His wish for Christmas was a bank in Buckley - is that right? That's right. All he wants for Christmas is a bank in Buckley. But I would say that we should thank everyone who took part in this inquiry. The evidence that was provided was of a high standard and I would particularly like to wish a happy Christmas to those that support us as Assembly Members when it comes to bringing forward our inquiries, in terms of drafting them and the research that goes into them as well. So, happy Christmas to the staff that help us to so widely do this. I think I would end - . It is disappointing - Joyce Watson pointed this out - that the banks themselves did not engage with our inquiry as we would have liked. This is really disappointing, I'm afraid. They had the opportunity to participate and they didn't. So, we're not wishing them a happy Christmas. [ Laughter.]
Welsh: Rwy'n derbyn pwynt Mark Isherwood. Mae hwn yn faes cymhleth iawn. Er inni weld uchelgais Banc Cambria, yr hyn roeddem yn pryderu yn ei gylch fel pwyllgor yw'r canlyniadau i undebau credyd a chyrff eraill, o ran cael effaith negyddol, ac efallai y canlyniadau anfwriadol ar wasanaethau eraill. Ond mae'n faes hynod gymhleth, ac rwy'n credu bod rhaid i Lywodraeth Cymru weithio'n galed ar y dulliau sydd ar gael iddi. Prin grafu'r wyneb a wnaeth ein hymchwiliad yn fy marn i, ond gobeithio ein bod wedi taflu rhywfaint o oleuni ar hyn efallai o ran beth sy'n rhaid i fanciau ei wynebu. Rwy'n dod â fy nghyfraniad i ben. Dywedodd Jack Sargeant ei fod am ddymuno Nadolig llawen o ran - . Rwy'n credu iddo ddweud ei fod eisiau dymuno i bawb - . Ei ddymuniad ar gyfer y Nadolig oedd banc ym Mwcle - a yw hynny'n gywir? Mae hynny'n gywir. Y cyfan y mae arno ei eisiau ar gyfer y Nadolig yw banc ym Mwcle. Ond hoffwn ddweud y dylem ddiolch i bawb a gymerodd ran yn yr ymchwiliad hwn. Roedd y dystiolaeth a ddarparwyd o safon uchel ac yn arbennig, hoffwn ddymuno Nadolig llawen i'r rhai sy'n ein cefnogi fel Aelodau Cynulliad wrth i ni gyflwyno ein hymchwiliadau, o ran eu drafftio a'r ymchwil a wneir ar eu cyfer yn ogystal. Felly, Nadolig llawen i'r staff sy'n rhoi cymaint o gymorth inni wneud hyn. Rwy'n credu yr hoffwn orffen - . Mae'n siomedig - cyfeiriodd Joyce Watson at hyn - na chymerodd y banciau eu hunain ran yn ein hymchwiliad fel y byddem wedi'i ddymuno. Mae hyn yn wirioneddol siomedig, mae arnaf ofn. Cawsant gyfle i gymryd rhan ac ni wnaethant hynny. Felly, nid ydym yn dymuno Nadolig llawen iddynt hwy. [ Chwerthin.]