English: Yes, certainly, and a number of those organisations are members of the new group that is considering a public bank for Wales. I'm also aware of the work of Robert Owen Community Banking and so on. So, yes, what we want, of course, is more variety in the financial sector and to build on what already exists, including credit unions, where they have a very important role, and we want to see how we can strengthen that role, as well. I welcomed the comments made by David Rowlands. He changed his opinion about the name, but we'll set the name aside for now; that, of course, isn't the predominant theme of today's debate, but it's the purpose. And he's right, of course - In thinking about the problems faced by small businesses, working capital, very often, is part of the problem. What we need, therefore, is a bank that can take deposits and that can move quickly on these issues, and so on. So, I think that's what the majority of small businesses are hoping to see with the development bank. So, this is an opportunity, now, with the study that has been announced, to look at that wider question. A number of my fellow Members here today have talked about the different dimensions of the crisis that we're facing. And it is a crisis, and it's only going to get worse, so why don't we move ahead of that crisis and make plans ahead of time about the kind of innovative alternative model that is clear from the contributions that we've heard today, and which does have wide-ranging support across the parties - this idea of not just having a development bank in a narrower sense, but a public bank for Wales that can fulfil the needs of all aspects of life in Wales, individuals and businesses, that are at present disenfranchised by the mainstream banks in the private sector?
Welsh: Yn bendant, ac mae nifer o'r sefydliadau hynny yn rhan o'r grŵp newydd sydd yn edrych ar y banc cyhoeddus i Gymru. Rwy'n ymwybodol hefyd o waith Robert Owen Community Banking ac yn y blaen. Felly, ie, beth rŷm ni'n moyn, wrth gwrs, yw mwy o amrywiaeth yn y sector ariannol, ac adeiladu ar yr hyn sydd yno yn barod, gan gynnwys undebau credyd, lle mae ganddyn nhw rôl bwysig ac mae eisiau gweld sut yr ŷm ni'n gallu cryfhau hynny hefyd. Roeddwn i'n croesawu sylwadau David Rowlands. Roedd e wedi newid ei farn ynglŷn â'r enw, ond fe wnawn ni roi o'r neilltu yr enw; nid dyna, wrth gwrs, fyrdwn y ddadl, ond y pwrpas. Ac mae e'n iawn, wrth gwrs - hynny yw, wrth feddwl am broblemau busnesau bychain, cyfalaf gweithio yn aml iawn ydy rhan o'r broblem, a beth sydd ei angen felly ydy banc, yntefe, sydd yn gallu cymryd blaendaliadau, sydd yn gallu symud yn gyflym, ac yn y blaen. Felly, dyna, rwy'n credu, y mae'r rhan fwyaf o fusnesau bychain yn gobeithio amdano gyda'r banc datblygu. Felly, mae yna gyfle nawr, gyda'r astudiaeth sydd wedi cael ei chyhoeddi, i edrych ar y cwestiwn ehangach yma. Mae nifer o'm cyd-Aelodau fan hyn wedi sôn am wahanol ddimensiynau o'r creisis yr ŷm ni'n ei wynebu. Ac mae e yn greisis. Mae'r creisis yn mynd i waethygu, felly beth am inni fynd cam ar y blaen i'r creisis yma, a dechrau rhag-gynllunio y math o fodel amgen sydd yn amlwg, ar sail beth rŷm ni wedi clywed, gyda chefnogaeth eang ar draws y pleidiau - y syniad yma o nid ond banc datblygu mewn ystyr efallai mwy cyfyng, ond banc cyhoeddus i Gymru sydd yn gallu diwallu anghenion Cymru benbaladr, busnesau ac unigolion, sydd, fel mae pethau yn datblygu ar hyn o bryd, wrth gwrs, yn cael eu hesgeuluso gan fanciau prif ffrwd y sector breifat?