English: Thank you, and thank you to those colleagues who have indicated their support for the regulations today. I will confine my remarks to the specific regulations that we're debating today. Just in response to the Chair of the Legislation, Justice and Constitution Committee, I'm very grateful for the work that the committee undertook. And I do very much accept the merit point that was raised, and in future I will ensure that the explanatory memoranda for future regulations include that point made as well. So, grateful for your work on that. In terms of the threshold at which we set the rates, of course, we did it to recognise the different housing market that we have in Wales, where the average house price is £168,000, as compared to £254,000 across the border in England, and our average first-time buyer here in Wales pays £145,000, as compared to £213,000 - although Nick Ramsay and I have, on a number of occasions, rehearsed the differences that there across Wales, and the fact that the situation in Monmouthshire is different because it's the only place in Wales that consistently has house prices that are at the very upper end of the spectrum. So, yes, obviously, I will keep the matter under review, although I do point out to colleagues that what we're voting on today is a limited measure, just for seven months, until the date at which it will end next year. And then to the Finance Committee, as the Chair said, this is the first time that we as Members of the Senedd have used these powers to set new, albeit temporary, changes to the rates and thresholds of land transaction tax. We've used them in the best interests of the people of Wales, and I'm very, very happy to continue the discussions with the Finance Committee, and to continue to share our learning with Finance Committee, and to learn from the Finance Committee's work on this area as well. So, diolch to all colleagues.
Welsh: Diolch, a diolch i'r cyd-Aelodau hynny sydd wedi dangos eu cefnogaeth i'r rheoliadau heddiw. Fe wnaf gyfyngu fy sylwadau i'r rheoliadau penodol yr ydym ni'n eu trafod heddiw. Mewn ymateb i Gadeirydd y Pwyllgor Deddfwriaeth, Cyfiawnder a'r Cyfansoddiad, rwy'n ddiolchgar iawn am y gwaith a wnaeth y pwyllgor. Ac rwy'n sicr yn derbyn y pwynt rhinwedd a godwyd, ac yn y dyfodol byddaf yn sicrhau bod y memoranda esboniadol ar gyfer rheoliadau yn y dyfodol yn cynnwys y pwynt hwnnw a wnaed hefyd. Felly, rwy'n ddiolchgar am eich gwaith ar hynny. O ran y trothwy lle'r ydym yn gosod y cyfraddau, wrth gwrs, gwnaethom hynny i gydnabod y farchnad dai wahanol sydd gennym ni yng Nghymru, lle mae pris cyfartalog tai yn £168,000, o'i gymharu â £254,000 dros y ffin yn Lloegr, ac mae ein prynwr tro cyntaf cyfartalog yma yng Nghymru yn talu £145,000, o'i gymharu â £213,000 - er bod Nick Ramsay a minnau, ar sawl achlysur, wedi pwysleisio y gwahaniaethau sydd ledled Cymru, a'r ffaith bod y sefyllfa yn Sir Fynwy yn wahanol oherwydd dyma'r unig le yng Nghymru sydd â phrisiau tai sydd yn gyson ar ochr uchaf y sbectrwm. Felly, fe fyddaf, yn amlwg, yn parhau i adolygu'r mater, er fy mod yn tynnu sylw fy nghyd-Aelodau at y ffaith mai mesur cyfyngedig yw'r hyn yr ydym yn pleidleisio arno heddiw, dim ond am saith mis, tan y dyddiad y daw i ben y flwyddyn nesaf. Ac yna i'r Pwyllgor Cyllid, fel y dywedodd y Cadeirydd, dyma'r tro cyntaf i ni fel Aelodau'r Senedd ddefnyddio'r pwerau hyn i bennu newidiadau newydd, er eu bod dros dro, i gyfraddau a throthwyon treth trafodiadau tir. Rydym wedi'u defnyddio er lles gorau pobl Cymru, ac rwy'n hapus iawn i barhau â'r trafodaethau gyda'r Pwyllgor Cyllid, ac i barhau i rannu yr hyn yr ydym yn ei ddysgu gyda'r Pwyllgor Cyllid, ac i ddysgu o waith y Pwyllgor Cyllid ar y maes hwn hefyd. Felly, diolch i'r holl gyd-Aelodau.