English: Thank you, Presiding Officer. I think our report last week on regional skills partnerships had a very different response, and we were quite, perhaps, critical of the Government's response to our work, but, on this piece of work, I very much welcome that the Minister obviously takes the issue very seriously, and I'm delighted that most of our recommendations have been accepted, and the response to our work was generally positive, I'd say, although lacking perhaps some detail in some areas, but largely positive. I would perhaps respond to some of the points that other Members have made during the course of this debate. Hefin pointed out how we learnt so much during the course of our work. We learned about the JACS group, but there are other issues. I'd say all the work we do is enjoyable, of course, and interesting, but this seemed to be a more enjoyable element of this particular work, because we learned so much as we went through the report. And, as witnesses gave us evidence, things came to light that we hadn't perhaps originally expected. Hefin did also point out, quite rightly, that some of the recommendations weren't accepted, because the Government responded that these were issues for the UK Government, but what we would say, and the point Hefin was making, is that the Welsh Government could accept those recommendations and use its role to lobby Government. Bethan tackled some of the issues about the huge profits that the banks make, and Joyce Watson also highlighted these points as well. We certainly feel as a committee that banks should have a social responsibility. Often, we get told that banks are private and they're commercial entities, but we have to, of course, remember, as Joyce pointed out, that, as taxpayers, we bailed the banks out, so they do have responsibility. Some other points that Joyce made that I perhaps won't comment on as Chair -
Welsh: Diolch yn fawr, Lywydd. Credaf fod ein hadroddiad yr wythnos diwethaf ar bartneriaethau sgiliau rhanbarthol wedi cael ymateb gwahanol iawn, ac roeddem yn eithaf beirniadol, efallai, o ymateb y Llywodraeth i'n gwaith, ond ar y gwaith hwn, rwy'n croesawu'n fawr fod y Gweinidog yn amlwg o ddifrif ynglŷn â hyn, ac rwyf wrth fy modd fod y rhan fwyaf o'n hargymhellion wedi'u derbyn, ac roedd yr ymateb i'n gwaith yn gadarnhaol ar y cyfan, buaswn yn dweud, er bod prinder manylion mewn rhai mannau o bosibl, ond yn gadarnhaol at ei gilydd. Hoffwn ymateb efallai i rai o'r pwyntiau y mae Aelodau eraill wedi'u gwneud yn ystod y ddadl. Tynnodd Hefin sylw at sut y dysgasom gymaint yn ystod ein gwaith. Dysgasom am y grŵp JACS, ond mae yna bethau eraill yn codi. Buaswn yn dweud bod yr holl waith a wnawn yn bleserus, wrth gwrs, ac yn ddiddorol, ond roedd hon i'w gweld yn elfen fwy pleserus o'r gwaith hwn, gan i ni ddysgu cymaint wrth inni fynd drwy'r adroddiad. Ac wrth i'r tystion roi tystiolaeth i ni, daeth pethau i'r amlwg nad oeddem wedi eu disgwyl ar y cychwyn o bosibl. Nododd Hefin hefyd, yn gwbl briodol, na chafodd rhai o'r argymhellion eu derbyn am fod y Llywodraeth wedi ymateb gan ddweud mai materion i Lywodraeth y DU oedd y rhain, ond yr hyn y byddem ni'n ei ddweud, a'r pwynt roedd Hefin yn ei wneud, yw y gallai Llywodraeth Cymru dderbyn yr argymhellion hynny a defnyddio'i rôl i lobïo'r Llywodraeth. Aeth Bethan i'r afael â rhai o'r problemau ynghylch yr elw enfawr a wna'r banciau, a thynnodd Joyce Watson sylw at y pwyntiau hyn hefyd. Rydym yn sicr yn teimlo fel pwyllgor y dylai fod gan fanciau gyfrifoldeb cymdeithasol. Yn aml, dywedir wrthym fod banciau'n breifat a'u bod yn endidau masnachol, ond wrth gwrs, mae'n rhaid inni gofio, fel y dywedodd Joyce, ein bod ni, fel trethdalwyr, wedi achub croen y banciau, felly mae ganddynt gyfrifoldeb. Roedd pwyntiau eraill a wnaeth Joyce nad wyf am roi sylwadau arnynt fel Cadeirydd o bosibl -