English: Thank you, Presiding Officer, and thank you to Mr Reckless for his comments. I think maybe he was offering himself up as a potential expert to our group that is going to review this. Well, at least I will get his advice for free, unlike the MP for Clacton. [Interruption.] On the issue of the £1,000, it is my intention to introduce that universal £1,000 payment to all Welsh students. It is in line with the principles outlined in the report from Professor Diamond, and this Government's commitment to understanding that higher education is a joint endeavour. The student undoubtedly gets something from studying at a higher level, but so does our nation, and I believe it is only right in that case that we contribute to some of the costs. Let's be absolutely clear: the National Union of Students Wales have said that this £1,000, payable at the beginning of each academic year, is invaluable to helping students address some of the unexpected - not the unexpected but the hidden costs of setting yourself up in university. And therefore, it is very much welcomed by the NUS that this provision remains within the package. With regard to the partial write-off, that has nothing to do with family income, it is to do with the fact that the student, at that time, reaches the threshold for paying back their loan. So, it has nothing to do with family income at all, it is to do with the fact that the student has reached the £21,000 threshold that triggers repayments for loans. With regard to the disparity between students and the living wage, I can't change the fact that the UK Government don't have parity of esteem for workers who are 16, 17, 18 or 19. I wish I could do something about that, but it is not within my competency. As I've said, Diamond was very clear, we need to make sure that students have access to the amount of resources that they need to live on, independently of their parents. Across the border in England, parents are expected to hand over and to contribute to the costs hugely. This means that Welsh students will be independent, because they will be able to get the full amount of support on which they can live, either entirely through a maintenance grant for our poorest students; partially for most, over 70 per cent of our students; or a combination of a £1,000 contribution and a loan. And I think that is really, really important. With regard to the Treasury, my Cabinet colleague the Cabinet Secretary for Finance and Local Government has formally written to the Treasury. We're yet to have a formal response, but the Treasury have been very helpful to date and have indicated their full support for the proposals going forward, and I expect that to be confirmed in writing shortly.
Welsh: Diolch i chi, Lywydd, a diolch i Mr Reckless am ei sylwadau. Rwy'n meddwl efallai ei fod yn cynnig ei hun fel arbenigwr posibl i'n grŵp sydd yn mynd i adolygu hyn. Wel, o leiaf y byddaf i'n cael ei gyngor ef am ddim, yn annhebyg i'r AS dros Clacton. [Torri ar draws.] Ar fater y £1,000, fy mwriad i yw cyflwyno'r taliad £1,000 hwnnw i bob myfyriwr yng Nghymru. Mae'n unol â'r egwyddorion a amlinellir yn adroddiad yr Athro Diamond, ac ymrwymiad y Llywodraeth hon i ddeall bod addysg uwch yn ymdrech ar y cyd. Does dim amheuaeth bod y myfyriwr yn elwa ar astudio ar lefel uwch, ond felly hefyd y mae ein cenedl, ac rwy'n credu nad yw hi ond yn iawn felly ein bod yn cyfrannu at rai o'r costau. Gadewch i ni fod yn gwbl glir: mae Undeb Cenedlaethol Myfyrwyr Cymru wedi dweud bod y £1,000 hwn, sy'n daladwy ar ddechrau bob blwyddyn academaidd, yn amhrisiadwy i helpu myfyrwyr fynd i'r afael â rhai o'r costau annisgwyl - nid annisgwyl ond y costau cudd o sefydlu eich hun mewn prifysgol. Ac felly, mae Undeb Cenedlaethol y Myfyrwyr yn croesawu'n fawr y ffaith bod y ddarpariaeth hon yn parhau i fod wedi'i chynnwys yn y pecyn. O ran y dileu rhannol, nid oes a wnelo hynny ddim ag incwm y teulu, mae'n ymwneud â'r ffaith nad yw'r myfyriwr, ar yr adeg honno, yn cyrraedd y trothwy ar gyfer ad-dalu ei fenthyciad. Felly, nid yw'n berthnasol i incwm y teulu o gwbl, mae'n ymwneud â'r ffaith nad yw'r myfyriwr wedi cyrraedd y trothwy o £21,000 sy'n sbarduno'r ad-daliadau ar gyfer benthyciadau. O ran y gwahaniaeth rhwng myfyrwyr a'r cyflog byw, ni allaf i newid y ffaith nad oes gan Lywodraeth y DU barch cydradd ar gyfer gweithwyr sy'n 16, 17, 18 neu 19. Byddwn yn hoffi gallu gwneud rhywbeth am hynny, ond nid yw o fewn fy nghymhwysedd. Fel yr wyf wedi dweud, roedd Diamond yn glir iawn, mae angen i ni wneud yn siŵr bod myfyrwyr yn cael mynediad at yr adnoddau sydd eu hangen arnynt i fyw, yn annibynnol ar eu rhieni. Ar draws y ffin yn Lloegr, disgwylir i rieni drosglwyddo a chyfrannu'n helaeth at y costau. Mae hyn yn golygu y bydd myfyrwyr Cymru yn annibynnol, oherwydd y byddant yn gallu cael y swm llawn o gymorth y gallant fyw arno, naill ai'n gyfan gwbl drwy gyfrwng grant cynhaliaeth ar gyfer ein myfyrwyr tlotaf; yn rhannol ar gyfer y rhan fwyaf, dros 70 y cant o'n myfyrwyr; neu gyfuniad o'r cyfraniad o £1,000 a benthyciad. Ac rwy'n credu bod hynny'n wirioneddol, wirioneddol bwysig. O ran y Trysorlys, mae fy nghydweithiwr yn y Cabinet, Ysgrifennydd y Cabinet dros Gyllid a Llywodraeth Leol, wedi ysgrifennu'n ffurfiol i'r Trysorlys. Nid ydym wedi cael ymateb ffurfiol eto, ond mae'r Trysorlys wedi bod yn barod iawn i helpu hyd yma ac wedi dangos eu cefnogaeth lawn i'r cynigion sy'n mynd yn eu blaenau, ac rwy'n disgwyl i hynny gael ei gadarnhau'n ysgrifenedig cyn bo hir.