English: I thank Peter Fox for that. I think the single advice fund does, in many ways, address some of the issues that Peter Fox has raised, because it is a single service and people get the advice they need across a whole range of different issues, whether it's fuel poverty or problems with paying council tax, and so on. So, I think that was a conscious effort to streamline the advice services that we have here in Wales, and make them as easy as possible for people to use them. Peter Fox makes an important point about passporting. One of the problems of universal credit is that it has broken the automatic passport that was there before for people claiming housing benefit then being able to claim council tax benefit. It's not easy for the Welsh Government to repair that broken link ourselves. But I can say to the Member that discussions have been had with the UK Government as to how we can more automatically make the help that's available through the council tax benefit scheme available to people who are newly qualifying for housing benefit and who, at the moment, have to make a separate claim in a way that they didn't previously in order to get help from the council tax benefit scheme. So, the system is notoriously complex and the more you try to fine-tune it to be able to help people with different parts of their lives, the more complexity tends to get built into the system. But here in Wales, we are at least in a position where we have a national council tax benefit scheme, a national scheme for the discretionary assistance fund, a national scheme that will allow up to 350,000 households in Wales to benefit from a winter fuel payment, and a Government that is committed, on that national basis, to introducing the real living wage wherever we can. It's all part of an effort to try and make sure that we protect people in Wales, especially those with the least, against the cost of living crisis that is coming their way.
Welsh: Diolch i Peter Fox am hynna. Rwy'n credu bod y gronfa gynghori sengl, mewn sawl ffordd, yn mynd i'r afael â rhai o'r materion y mae Peter Fox wedi'u codi, oherwydd mae'n un gwasanaeth ac mae pobl yn cael y cyngor y mae ei angen arnyn nhw ar draws ystod eang o faterion gwahanol, boed hynny'n dlodi tanwydd neu'n broblemau o ran talu'r dreth gyngor, ac ati. Felly, rwy'n credu bod hynny'n ymdrech ymwybodol i symleiddio'r gwasanaethau cynghori sydd gennym ni yma yng Nghymru, a'u gwneud mor hawdd â phosibl i bobl eu defnyddio. Mae Peter Fox yn gwneud pwynt pwysig am basbortio. Un o broblemau credyd cynhwysol yw ei fod wedi torri'r pasbort awtomatig a oedd yno o'r blaen ar gyfer pobl sy'n hawlio budd-dal tai ac yna'n gallu hawlio budd-dal y dreth gyngor. Nid yw'n hawdd i Lywodraeth Cymru drwsio'r cyswllt hwnnw sydd wedi ei dorri ein hunain. Ond gallaf ddweud wrth yr Aelod fod trafodaethau wedi'u cael gyda Llywodraeth y DU ynghylch sut y gallwn ni wneud y cymorth sydd ar gael drwy gynllun budd-dal y dreth gyngor ar gael yn fwy awtomatig i bobl sydd newydd gymhwyso ar gyfer budd-dal tai ac sydd, ar hyn o bryd, yn gorfod gwneud hawliad ar wahân mewn ffordd nad oedden nhw o'r blaen er mwyn cael cymorth gan gynllun budd-dal y dreth gyngor. Felly, mae'r system yn nodedig o gymhleth a pho fwyaf y byddwch chi'n ceisio ei mireinio er mwyn gallu helpu pobl â gwahanol rannau o'u bywydau, y mwyaf o gymhlethdod sy'n tueddu i gael ei gynnwys yn y system. Ond yma yng Nghymru, rydym ni o leiaf mewn sefyllfa lle mae gennym gynllun budd-dal y dreth gyngor cenedlaethol, cynllun cenedlaethol ar gyfer y gronfa cymorth dewisol, cynllun cenedlaethol a fydd yn caniatáu i hyd at 350,000 o aelwydydd yng Nghymru elwa ar daliad tanwydd gaeaf, a Llywodraeth sydd wedi ymrwymo, ar y sail genedlaethol honno, i gyflwyno'r cyflog byw gwirioneddol lle bynnag y gallwn ni. Mae'r cyfan yn rhan o ymdrech i geisio sicrhau ein bod yn amddiffyn pobl yng Nghymru, yn enwedig y rhai sydd â'r lleiaf, yn erbyn yr argyfwng costau byw sydd i ddod.