English: Just on that last one: it's a great scheme, isn't it? So, the kind of collective action that you get when you're able to implement the sorts of collective energy efficiency schemes that you get in that instance is an example, and we're hoping to roll that model out. So, for Members who aren't familiar with it, we've got a new estate and an old estate coming together with an energy efficiency scheme that allows those with the ability to put good solar panels on their homes to share their energy out across the scheme, to provide EV charging points, and all the rest of it; it allows Economy 7 to work for white goods across the scheme. There's a whole series of things that you can do with the collective power of coming together, basically. So, it's a great scheme. I've managed to visit it a couple of times, and we will be looking to roll that out with the companies that have been involved in that - with the social landlord company and the energy companies that have been working with us. So, that's a really excellent example of what can be achieved. Just in terms of the Help to Buy, it's a bit more complicated than that. We use Help to Buy to drive other improvements in the building industry. So, actually, builders who don't build to particular standards don't get Help to Buy, and that's been very helpful in driving some of those standards. We also use financial transactions capital, which, Mike, I know you're familiar with, but it is an arcane art, so it's not quite as easy to swap that out into individual householder loans. We are though looking, with the Development Bank of Wales, at rolling out grant and loan schemes to owner-occupiers in exactly the circumstances that you're talking about and, actually, being able to target people who get the single-occupier discount, who are often older people who've lost a partner and are in that exact position. So, we have a way to identify people, so that we can consult on it. So, we are looking to do exactly that.
Welsh: Ynglŷn â'r pwynt olaf yna: mae hwnnw'n gynllun gwych, onid ydyw? Felly, mae'r math o weithredu ar y cyd yr ydych chi'n ei weld pan fyddwch chi'n gallu gweithredu'r mathau o gynlluniau effeithlonrwydd ynni ar y cyd yr ydych chi'n eu cael yn yr achos hwnnw yn enghraifft, ac rydym ni'n gobeithio cyflwyno'r model hwnnw. Felly, i Aelodau nad ydyn nhw'n gyfarwydd â hyn, mae gennym ni ystad newydd a hen ystad sydd wedi dod at ei gilydd i greu cynllun effeithlonrwydd ynni sy'n caniatáu i'r rhai sydd â'r gallu i roi paneli solar da ar eu tai nhw i rannu eu hynni nhw â'r cynllun cyfan, i ddarparu pwyntiau gwefru cerbydau trydan, a'r gweddill i gyd; mae'n caniatáu i nwyddau gwyn ar draws y cynllun fanteisio ar Economy 7. Fe geir cyfres gyfan o bethau y gallwch chi eu gwneud gyda'r nerth cyfunol o ddod ynghyd, yn y pen draw. Felly, mae hwnnw'n gynllun gwych. Rwyf i wedi llwyddo i ymweld ag ef unwaith neu ddwy, ac fe fyddwn ni'n ystyried cyflwyno hwnnw gyda'r cwmnïau sydd wedi bod yn rhan o hwnnw - gyda'r cwmni landlordiaid cymdeithasol a'r cwmnïau ynni sydd wedi bod yn gweithio gyda ni. Felly, mae honno'n enghraifft wirioneddol wych o'r hyn y gellir ei gyflawni. O ran y Cymorth i Brynu, mae hynny ychydig yn fwy cymhleth. Rydym ni'n defnyddio Cymorth i Brynu i ysgogi gwelliannau eraill yn y diwydiant adeiladu. Felly, mewn gwirionedd, nid yw adeiladwyr nad ydyn nhw'n adeiladu hyd at safonau penodol yn cael manteisio ar Gymorth i Brynu, ac mae hynny wedi bod o gymorth mawr wrth gymell rhai o'r safonau hyn. Rydym ni'n defnyddio cyfalaf trafodiadau ariannol, sydd, Mike, fe wn i eich bod chi'n gyfarwydd ag ef, ond mae honno'n gelfyddyd gyfrin, felly nid yw hi mor hawdd â chyfnewid hynny am fenthyciadau i ddeiliaid tai unigol. Rydym ni er hynny yn bwriadu, gyda Banc Datblygu Cymru, gyflwyno cynlluniau grant a benthyciadau i berchen-feddianwyr o dan yr union amgylchiadau yr ydych chi'n sôn amdanyn nhw ac, mewn gwirionedd, yn targedu pobl sy'n cael disgownt un meddiannydd, sy'n bobl hŷn sydd yn aml wedi colli partner ac sydd yn yr union sefyllfa honno. Felly, mae gennym ni ffordd o adnabod pobl, er mwyn gallwn ymgynghori yn hyn o beth. Felly, rydym ni'n ystyried gwneud yr union beth.