English: Thank you, Deputy Presiding Officer, and can I thank Russell George, both for his kind remarks at the beginning and for the questions that he's asked? I think the way that you, Russell, Helen Mary, David and I have been able to work over the last month shows that you can operate in a collegiate way across political parties without losing strong scrutiny of Government as well. So, I am very grateful for the way that we've been able to work together in assessing what is best for the country. In terms of the questions that have been asked, I'll try to run through them in the order that they were asked. First of all, the future fund - the fund that was announced for start-ups. I've already said that there is a difficulty within the criteria for Welsh start-ups regarding the requirement to have raised £0.25 million privately in the last five years, and on top of that, of course, then money put in by the UK Government has to be matched by private investors, but if the money isn't repaid, then the UK Government will take an ownership stake in the company. I know that the Government has reviewed the coronavirus business interruption loan scheme. I'm hopeful that it is monitoring very closely how effective this particular scheme is as well and, should it transpire that further revisions are required here, that it will make the necessary changes in order to assist businesses across the country, because at the moment, there is a risk that it would benefit primarily those in London. It has to be said, though, that there are other alternatives that are impressing - that UK Government Ministers are considering, including using the existing research and development tax relief regime to bring forward the payment of significant sums of money. The money is already in the system, but it could be advanced sooner to support businesses. It's worth saying that start-ups that were established prior to 1 March 2020 can apply for the economic resilience fund if they meet the criteria. So, that support is available to them, and that's additional, of course, over what businesses and start-ups would have in England. The development bank itself operates its two specific funds to assist with start-ups and specific sector, tech start-ups. Now, in terms of the ERF, you are right to assume that this particular fund is for the rescue stage. As we now look at resetting the economy and recovering from COVID-19, we'll look at the most appropriate means of supporting businesses moving forward. That second phase of that tranche of £100 million will enable us to look at some of the remaining gaps and you've highlighted a number of them.
Welsh: Diolch, Ddirprwy Lywydd, ac a gaf fi ddiolch i Russell George, am ei sylwadau caredig ar y dechrau ac am y cwestiynau y mae wedi eu gofyn? Rwy'n credu bod y ffordd rydych chi, Russell, Helen Mary, David a minnau wedi gallu gweithio dros y mis diwethaf yn dangos eich bod yn gallu gweithredu mewn ffordd golegol ar draws pleidiau gwleidyddol heb golli craffu cadarn ar y Llywodraeth hefyd. Felly, rwy'n ddiolchgar iawn am y ffordd rydym wedi gallu cydweithio wrth asesu'r hyn sydd orau i'r wlad. O ran y cwestiynau sydd wedi'u gofyn, fe geisiaf fynd drwyddynt yn y drefn y'u gofynnwyd. Yn gyntaf oll, cronfa'r dyfodol - y gronfa a gyhoeddwyd ar gyfer busnesau newydd. Rwyf eisoes wedi dweud bod anhawster ynghlwm wrth y meini prawf ar gyfer busnesau newydd yng Nghymru ynglŷn â'r gofyniad i fod wedi codi £0.25 miliwn yn breifat yn ystod y pum mlynedd diwethaf, ac ar ben hynny wrth gwrs, mae'n rhaid sicrhau arian cyfatebol gan fuddsoddwyr preifat ar gyfer unrhyw arian a gyfrannir gan Lywodraeth y DU, ond os nad yw'r arian yn cael ei ad-dalu, bydd Llywodraeth y DU yn cymryd cyfran o berchnogaeth y cwmni. Rwy'n gwybod bod y Llywodraeth wedi adolygu'r cynllun benthyciadau tarfu ar fusnes yn sgil y coronafeirws. Rwy'n gobeithio ei bod yn monitro effeithiolrwydd y cynllun penodol hwn yn agos iawn hefyd, a phe bai'n dod yn amlwg fod angen diwygiadau pellach yma, y bydd yn gwneud y newidiadau angenrheidiol er mwyn cynorthwyo busnesau ledled y wlad, oherwydd ar hyn o bryd, mae perygl mai i fusnesau Llundain y byddai'n fwyaf buddiol. Rhaid dweud, fodd bynnag, fod yna ddewisiadau amgen eraill sy'n creu argraff - sydd dan ystyriaeth gan Weinidogion Llywodraeth y DU, gan gynnwys defnyddio'r drefn bresennol ar gyfer lleihau'r dreth ar ymchwil a datblygu i gyflymu'r broses o dalu symiau sylweddol o arian. Mae'r arian eisoes yn y system, ond gellid ei ryddhau'n gynt i gefnogi busnesau. Mae'n werth dweud y gall busnesau newydd a sefydlwyd cyn 1 Mawrth 2020 wneud cais i'r gronfa cadernid economaidd os ydynt yn bodloni'r meini prawf. Felly, mae'r cymorth hwnnw ar gael iddynt, ac mae hynny'n ychwanegol, wrth gwrs, at yr hyn a fyddai ar gael i fusnesau a busnesau newydd yn Lloegr. Mae'r banc datblygu ei hun yn gweithredu ei ddwy gronfa benodol i gynorthwyo gyda busnesau newydd a busnesau technoleg newydd mewn sectorau penodol. Nawr, o ran y gronfa cadernid economaidd, rydych yn iawn i dybio bod y gronfa benodol hon ar gyfer y cyfnod achub. Wrth i ni edrych yn awr ar ailosod yr economi ac adfer ar ôl COVID-19, byddwn yn edrych ar y ffordd fwyaf priodol o gefnogi busnesau wrth inni symud ymlaen. Bydd ail gam y gyfran honno o £100 miliwn yn ein galluogi i edrych ar rai o'r bylchau sydd ar ôl ac rydych chi wedi tynnu sylw at nifer ohonynt.