English: Can I thank Helen Mary Jones for her questions and her contribution, and can I say that Helen Mary Jones has had a hand in ensuring that the Welsh Government responds correctly and adequately to business needs? The regular conversations that we've had have helped to shape all three phases of the economic resilience fund, and I'm incredibly grateful for not just the support but the constructive criticism that has been offered. I'm going to try to respond to all of the important queries that have been raised in the order that they were raised by Helen Mary Jones. First of all, with regard to eligibility, some businesses will not require co-investment. The £20 million fund for tourism and hospitality businesses allowed for discretion and therefore an 100 per cent intervention rate. It won't be necessary for all those businesses, therefore, who are applying for this support to co-invest. And I very much agree with Helen Mary Jones that a huge number of businesses in the tourism and hospitality sectors simply do not have any more financial resource to invest, and they've also in many instances exhausted all borrowing as well. Therefore, a 100 per cent intervention level will be required for many, many businesses. In terms of eligibility and the question of whether businesses will be required to close, the answer is 'no'. Businesses will not be required to close in order to secure funding. They'll have to be able to prove that they've been materially affected over the course of local restrictions being imposed, and that will amount to a drop in turnover of at least 40 per cent. We're working incredibly closely with local government friends and colleagues in terms of administering this third phase of support. I have to put on record my thanks to local government colleagues for the tirelessness of their endeavours in making sure that the first two phases of the ERF and the rates related grants were administered swiftly, and that support in terms of signposting businesses towards Business Wales was done correctly as well. I have to say that alongside the support that we announced yesterday, my friend and colleague Lord Dafydd Elis-Thomas also announced a £7 million fund for freelancers in the creative industries. This is proving to be a lifeline for many, many talented creative people, and I was delighted to see Dafydd Elis-Thomas make that announcement. And in response to the question about where additional flexibility is required by the Welsh Government, the Minister for finance has regularly spoken of the need for Welsh Government to be able to operate with a greater degree of flexibility, to be able to borrow more, and so forth, and that position remains the case. Steel is hugely important to the Welsh economy, and likewise automotive and aerospace businesses that are facing particular pressure and which require support beyond what the Welsh Government is able to afford. And in our regular discussions with UK Government counterparts, I impress upon Ministers the need to bring forward bold action to support these hugely important manufacturing sectors. We'll also go on pressing the UK Government to be responsive and responsible in terms of supporting those who continue to fall through the gaps, who have yet to receive support that is absolutely required in order to ensure that their enterprises can survive this pandemic. I have to say that those discussions are not always fruitful, but equally, in many instances, as I outlined in my answers to Russell George, there have been positive responses on a number of occasions from counterparts, particularly within the Department for Business, Energy and Industrial Strategy and the Wales Office.
Welsh: A gaf i ddiolch i Helen Mary Jones am ei chwestiynau a'i chyfraniad, ac a gaf i ddweud bod Helen Mary Jones wedi bod â rhan yn sicrhau bod Llywodraeth Cymru yn ymateb yn briodol ac yn ddigonol i anghenion busnesau? Mae'r sgyrsiau rheolaidd a gawsom wedi helpu i lunio pob un o dri cham y gronfa cadernid economaidd, ac rwy'n hynod ddiolchgar iddi hi am nid yn unig y gefnogaeth ond y feirniadaeth adeiladol a roddwyd. Rwyf i am geisio ymateb i'r holl ymholiadau pwysig a godwyd ganddi, yn y drefn y'u codwyd gan Helen Mary Jones. Yn gyntaf oll, o ran cymhwysedd, ni fydd angen cyd-fuddsoddi ar rai busnesau. Roedd y gronfa o £20 miliwn ar gyfer busnesau twristiaeth a lletygarwch yn caniatáu disgresiwn ac felly cyfradd ymyrraeth o 100 y cant. Ni fydd angen i'r holl fusnesau hynny, felly, sy'n gwneud cais am y cymorth hwn gyd-fuddsoddi. Ac rwy'n cytuno'n llwyr â Helen Mary Jones nad oes gan nifer enfawr o fusnesau yn y sectorau twristiaeth a lletygarwch ragor o adnoddau ariannol i'w buddsoddi, ac maen nhw mewn llawer o achosion wedi cyrraedd terfyn eu capasiti i fenthyca hefyd. Felly, fe fydd angen lefel ymyrraeth o 100 y cant ar lawer o fusnesau. O ran cymhwysedd a'r cwestiwn a fydd yn ofynnol i fusnesau gau, yr ateb yw 'na'. Ni fydd yn ofynnol i fusnesau gau er mwyn sicrhau cyllid. Fe fydd yn rhaid iddynt allu profi iddynt gael eu heffeithio'n sylweddol yn ystod cyfnodau clo lleol, a bod hynny'n golygu gostyngiad o 40 y cant o leiaf yn eu trosiant. Rydym yn gweithio'n eithriadol o agos gyda chyfeillion a chydweithwyr mewn llywodraeth leol o ran gweinyddu'r trydydd cam hwn o gymorth. Mae'n rhaid imi ddiolch ar goedd i gydweithwyr mewn llywodraeth leol am eu hymdrechion diflino i sicrhau bod dau gam cyntaf y Gronfa a'r grantiau sy'n gysylltiedig ag ardrethi wedi cael eu gweinyddu ar garlam, ac fe gyflwynwyd cymorth o ran cyfeirio busnesau at Fusnes Cymru yn briodol hefyd. Mae'n rhaid mi ddweud, ochr yn ochr â'r gefnogaeth a gyhoeddwyd gennym ddoe, bod fy nghyfaill a'm cyd-Aelod, Arglwydd Dafydd Elis-Thomas, wedi cyhoeddi cronfa o £7 miliwn hefyd i weithwyr llawrydd yn y diwydiannau creadigol. Mae hon yn achubiaeth i lawer o bobl greadigol a thalentog, ac roeddwn i wrth fy modd o weld Dafydd Elis-Thomas yn gwneud y cyhoeddiad hwnnw. Ac mewn ymateb i'r cwestiwn ynghylch lle bydd angen hyblygrwydd ychwanegol gan Lywodraeth Cymru, mae'r Gweinidog cyllid wedi sôn yn rheolaidd am yr angen i Lywodraeth Cymru allu gweithredu gyda mwy o hyblygrwydd, i allu benthyca mwy, ac yn y blaen, ac mae'r sefyllfa honno'n un sy'n parhau. Mae dur yn eithriadol o bwysig i economi Cymru, ac yn yr un modd fusnesau modurol ac awyrofod sy'n wynebu pwysau arbennig ac sydd ag angen cymorth y tu hwnt i'r hyn y gall Llywodraeth Cymru ei fforddio. Ac yn ein trafodaethau rheolaidd ni â chymheiriaid yn Llywodraeth y DU, fe fyddaf i'n pwysleisio'r angen i Weinidogion gyflwyno camau beiddgar i gefnogi'r sectorau gweithgynhyrchu hynod bwysig hyn. Fe fyddwn ni'n parhau i bwyso ar Lywodraeth y DU hefyd i fod yn ymatebol ac yn gyfrifol o ran cefnogi'r rhai sy'n parhau i syrthio rhwng dwy stôl, nad ydyn nhw wedi cael cymorth eto y mae ei angen yn fawr arnynt i sicrhau y gall eu mentrau nhw barhau y tu hwnt i'r pandemig hwn. Mae'n rhaid imi ddweud nad yw'r trafodaethau hynny'n dwyn ffrwyth bob amser, ond yn yr un modd, mewn llawer o achosion, fel yr amlinellais i yn fy atebion i Russell George, fe gafwyd ymatebion cadarnhaol sawl gwaith gan gymheiriaid, yn enwedig o fewn yr Adran Busnes, Ynni a Strategaeth Ddiwydiannol ac yn Swyddfa Cymru.