English: And as a capitalist it disgusts David Melding. [ Laughter.] So, I think that demonstrates that, even if you divide on ideological terms, you can still find some commonality of practice - some commonality of practice. The traditional model of house building needs to change. I met in my surgery, just on Saturday morning, Cerianne Thorneycroft. She was born in Cardiff, she is a chartered architect and environmentalist, but she now lives in Gloucestershire. She is trying to get self-build off the ground, on which she then acts as a project manager. She said there's no need to have, in her model, any housing developer involved. There are no costs to be saved, no opportunities to be missed based on end-goal profit margins. In her email to me, she says, 'By self-build, I mean the future owners of the homes are involved from the start, before a site is even found.' So, those people are involved and she facilitates that. It's an innovative model. I think the Welsh Government should speak to Cerianne Thorneycroft and discuss with her this business called Green Roots E-cohaus. I think she's worth listening to. And finally, with regard to work stream 9, existing powers the Welsh Government has, I think there are problems, which Bethan Sayed mentioned, with estate management charges, which we've debated. I think we need an independent property ombudsman in Wales and the adaption and strengthening of Rent Smart Wales as an arm's-length regulatory and accreditation body for those estate management companies, because what the estate management companies do is add charges on top of your mortgage, on top of your council tax, which increases unaffordability. There's nobody regulating them. Let me tell you: if we all wanted to get together and set up an estate management company tomorrow, we could and we could fleece people, but of course we wouldn't do that. But there are people out there who would, and I think we need a regulatory body. I believe, in line with work stream 9 - I think the Welsh Government's got a tool there, with Rent Smart Wales, that could act as an arm's-length body, and the Association of Residential Managing Agents believes that that is entirely possible. So, this is a great step for the Welsh Government, but I think that more needs to be done according to the thrust of this debate.
Welsh: Ac mae'n troi ar David Melding, ac yntau'n gyfalafwr. [ Chwerthin.] Felly, rwy'n credu bod hynny'n dangos, hyd yn oed os ydych chi wedi eich rhannu ar delerau ideolegol, ei bod hi'n dal yn bosib dod o hyd i rai elfennau cyffredin o arfer - rhai elfennau cyffredin o arfer. Mae angen i'r model traddodiadol o adeiladu tai newid. Fe wnes gyfarfod yn fy nghymhorthfa, fore Sadwrn, â Cerianne Thorneycroft. Cafodd hi ei geni yng Nghaerdydd, mae hi'n bensaer siartredig ac yn amgylcheddwr, ond mae hi bellach yn byw yn swydd Gaerloyw. Mae hi'n ceisio hyrwyddo'r cyniad o hunan-adeiladu, a hithau wedyn yn gweithredu yn rheolwr prosiect. Dywedodd hi nad oes angen, yn ei model hi, cynnwys unrhyw ddatblygwr tai. Does dim costau i'w harbed, dim cyfleoedd i'w colli yn seiliedig ar elw'r nod terfynol. Mewn e-bost imi, meddai hi, 'Wrth hunan-adeiladu, rwy'n golygu bod perchnogion y cartrefi yn y dyfodol yn cymryd rhan o'r dechrau, cyn y ceir safle hyd yn oed.' Felly, mae'r bobl hynny'n cael eu cynnwys ac mae hi'n hwyluso hynny. Mae'n fodel arloesol. Rwy'n credu y dylai Llywodraeth Cymru siarad â Cerianne Thorneycroft a thrafod gyda hi y busnes hwn o'r enw Green Roots E-cohaus. Rwy'n credu ei bod hi'n werth gwrando arni. Ac yn olaf, o ran ffrwd gwaith 9, pwerau presennol sydd gan Lywodraeth Cymru, rwy'n credu bod problemau, fel y dywedodd Bethan Sayed, â thaliadau rheoli ystadau, ac rydym ni wedi trafod y rheini. Rwy'n credu bod angen ombwdsmon eiddo annibynnol yng Nghymru a bod angen addasu a chryfhau Rhentu Doeth Cymru fel corff achredu a rheoleiddio hyd braich i'r cwmnïau rheoli ystadau hynny, oherwydd yr hyn y mae'r cwmnïau rheoli ystadau'n ei wneud yw ychwanegu costau ar ben eich morgais, ar ben eich treth gyngor, sy'n gwneud tai'n llai fforddiadwy. Does neb yn eu rheoleiddio nhw. Dewch imi ddweud wrthych: pe baen ni i gyd am ddod at ei gilydd a sefydlu cwmni rheoli ystadau yfory, fe allem ni, ac fe allem ni flingo pobl, ond wrth gwrs fyddem ni ddim yn gwneud hynny. Ond mae yna bobl allan yna a fyddai, ac rwy'n credu bod angen corff rheoleiddio. Rwy'n credu, yn unol â ffrwd gwaith 9 - rwy'n credu bod gan Lywodraeth Cymru adnodd, sef Rhentu Doeth Cymru, a allai weithredu fel corff hyd braich, ac mae Cymdeithas yr Asiantau Rheoli Preswyl yn credu bod hynny'n gwbl bosibl. Felly, mae hwn yn gam mawr i Lywodraeth Cymru, ond rwy'n credu bod angen gwneud mwy yn unol â byrdwn y ddadl hon.