English: I completely concur with Mike Hedges's analysis of this. We absolutely do need to get councils to build again at scale and pace. We've been very clear about that. We've been working really hard with the councils across Wales to change the rules, now that the cap has been lifted on the housing revenue accounts, both with stockholding and non-stockholding authorities, to make sure that they all utilise their borrowing sufficiently to get the pace and scale that he talks of. I grew up in one of the steel houses, as he knows. My grandmother could not believe that she had been allowed to live in a house with a fitted kitchen and a nice, big bathroom in a spacious place with cupboards to put things in and so on. And whilst the cladding didn't stand the test of time, the houses are still there, they've just been re-clad with more modern materials. We need to be able to duplicate that. But, we also need to have the kinds of mixed housing opportunities that actually existed then. We built enough social housing and people who wanted a social house could have one, and so the estate that I grew up on had people from every walk of life living together in it as a proper community. That's what we aspire to put back. We know that we can help them put back that aspiration by having mixed tenure. I could not agree with him more about co-operative housing and mutuals. There are a number of models available and we are looking very hard at how we can support those to be developed using the various grants and loans that we have available. I don't think it's too much to admit, acting Presiding Officer, that I've had to have a lesson in financial transaction capital and its uses from the director of the Welsh Treasury, with Rebecca's help, in order to understand all of the various funding mechanisms that we can do in order to produce the kinds of co-operative models that he's talking about. So, I completely agree with that. The last thing I want to say is, I know he wasn't able to attend, but I did attend last Friday a new development that Swansea council is doing in his constituency - he and I visited when the ground was first broken - and it's quite amazing. It has two Olympic-sized swimming pools buried in the ground to take storm run-off, so that we address the pollution of overwhelmed drains. It has vertically drilled ground source heat pumps. It's just an amazing site - absolutely amazing - and we know that people will be very happy living there, and that's one of the other big things. So, I completely agree with all of the points that he made.
Welsh: Rwy'n cytuno'n llwyr â dadansoddiad Mike Hedges yn hyn o beth. Yn bendant mae angen inni sicrhau bod cynghorau yn adeiladu unwaith eto ar raddfa fawr ac yn gyflym. Rydym wedi bod yn glir iawn am hynny. Rydym wedi bod yn gweithio'n galed iawn gyda'r cynghorau ledled Cymru i newid y rheolau, gan fod y cap wedi cael ei godi erbyn hyn ar y cyfrifon refeniw tai, gydag awdurdodau sy'n dal stoc dai a rhai nad ydyn nhw'n dal stoc dai, i sicrhau eu bod nhw i gyd yn defnyddio eu benthyciadau yn ddigonol i gyrraedd y cyflymdra a'r raddfa y sonia ef amdanyn nhw. Cefais i fy magu yn un o'r tai dur, fel y mae ef yn gwybod. Ni allai fy mam-gu gredu ei bod hi'n cael byw mewn tŷ gyda chegin wedi'i gosod ac ystafell ymolchi fawr a braf a digon o le a chypyrddau i roi pethau ynddyn nhw ac ati. Ac er na wnaeth y cladin sefyll prawf amser, mae'r tai yno o hyd, maen nhw newydd gael eu hailorchuddio â deunyddiau mwy modern. Mae angen inni allu gwneud yr un peth. Ond, mae angen inni hefyd gael y mathau o gyfleoedd am dai cymysg a fodolai bryd hynny. Roeddem yn adeiladu digon o dai cymdeithasol ac roedd modd i bobl a oedd yn awyddus i gael tŷ cymdeithasol gael hynny. Ac felly roedd pobl o bob cefndir yn byw gyda'i gilydd fel cymuned wirioneddol ar yr ystâd y cefais i fy magu ynddi. Dyna'r hyn yr ydym ni'n dyheu am ei gael eto. Gwyddom y gallwn ni eu helpu nhw i gael y dyhead hwnnw'n ôl drwy gyfrwng deiliadaeth gymysg. Ni allwn gytuno mwy gydag ef ynghylch tai cydweithredol a chwmnïau cydfuddiannol. Mae yna nifer o fodelau ar gael ac rydym ni'n ystyried yn fanwl iawn sut y gallwn ni gefnogi datblygiad y rhain drwy ddefnyddio'r grantiau a'r benthyciadau amrywiol sydd ar gael gennym. Nid wyf yn credu ei bod hi'n ormod i'w gyfaddef, Llywydd dros dro, y bu'n rhaid i mi gael gwers mewn cyfalaf trafodion ariannol a'r defnydd ohono gan gyfarwyddwr Trysorlys Cymru, gyda chymorth Rebecca, er mwyn deall yr holl fecanweithiau ariannu amrywiol sydd gennym ni ar gyfer cynhyrchu'r mathau o fodelau cydweithredol y mae ef yn sôn amdanyn nhw. Felly, rwy'n cytuno'n llwyr â hynny. Y peth olaf yr hoffwn ei ddweud yw hyn. Rwy'n gwybod nad oedd ef yn gallu bod yn bresennol, ond roeddwn i'n bresennol ddydd Gwener diwethaf mewn datblygiad newydd sydd gan Gyngor Abertawe yn ei etholaeth ef - roedd y ddau ohonom ni yno pan dorrwyd y dywarchen am y tro cyntaf - ac mae'n gwbl anhygoel. Mae yna ddau bwll nofio o faint Olympaidd wedi cael eu claddu yn y ddaear i grynhoi dŵr sy'n llifo drosodd pan fydd glaw trwm, fel bod modd mynd i'r afael â llygredd mewn draeniau sydd wedi eu gorlwytho. Mae yno bympiau sy'n codi gwres o'r ddaear sydd wedi'u drilio'n fertigol. Mae hwn yn safle rhyfeddol - cwbl anhygoel - ac rydym yn gwybod y bydd y trigolion yn hapus iawn yno, a dyna un o'r pethau mawr eraill. Felly, rwyf i'n cytuno'n llwyr â'r holl bwyntiau a wnaed ganddo.