English: I think that we're starting to move in circles here, or getting into a circular argument, but one of the things that has shocked me, to some extent, from the evidence that we have received - . We've discussed this morning quite a bit about the future and how we're going to improve the performance of houses and how you, as an industry, will be part of that, but serious questions are being asked about the current standard of construction. Mr Harris referred to the fact that it has improved over the past few years, but what we've received in terms of evidence is that even the current building regulations and what is out there now is not being met. Houses are being passed as having met the building regulations, but, after a period of time, they do not perform as they should, be that in terms of the type of glass in them, or there may be drafts or whatever it may be, they're not performing as they should. We've received quite a bit of evidence that the level of energy efficiency that was forecast for these houses is not being met, and that is even under the current system. So, to begin with, do you accept that that is a problem? And, if you do accept that it is a problem, of course, then there is a fundamental question about how we're going to attract people to trust in new homes, to have that trust to buy them, and also the mortgage lenders for those, because one of the most innovative means of moving forward, of course, is that mortgage loans, moving forward, do acknowledge the financial savings that will be made with more energy efficient homes. Some people have an interest in lending money on the back of the savings that will be made. It looks to me as if there is a Gordian knot here that we can't break until standards do rise and until the trust in what is achieved by your profession rises quite a bit. Do you accept that as a problem?
Welsh: Rwy'n credu ein bod ni'n dechrau mynd mewn cylchoedd, ond un o'r pethau sydd wedi'm syfrdanu i, i ryw raddau, o'r dystiolaeth yr ydym ni wedi'i derbyn - . Rydym ni wedi trafod, y bore yma, cryn dipyn am y dyfodol a sut yr ydym ni'n mynd i wella perfformiad tai a sut yr ydych chi, fel diwydiant, yn mynd i fod yn rhan o hynny, ond mae yna gwestiynau difrifol yn cael eu gofyn ynglŷn â safon bresennol adeiladu. Roedd Mr Harris wedi cyfeirio at y ffaith ei fod wedi gwella dros y blynyddoedd diwethaf, ond yr hyn yr ydym ni wedi ei dderbyn fel tystiolaeth yw bod hyd yn oed y rheolau adeiladu presennol a'r rheoliadau presennol ddim yn cael eu cyflawni yn y tai. Hynny yw, mae tai yn cael eu pasio fel eu bod nhw'n cwrdd â'r rheoliadau adeiladu, ond, dros gyfnod wedyn, nid ydyn nhw'n perfformio fel y dylen nhw fod, boed hynny yn y fath o wydr sydd ynddynt, neu'r drafftiau, neu beth bynnag yw e, nid ydyn nhw'n perfformio. So, rŷm ni wedi cael cryn dipyn o dystiolaeth nad yw'r lefel o effeithlonrwydd ynni sydd wedi cael ei phroffwydo ar gyfer y tai hyn yn cael ei chyflawni, hyd yn oed o dan y drefn bresennol. So, yn gyntaf oll, a ydych chi'n derbyn bod hynny'n broblem? Ac, os ydych chi yn derbyn ei fod yn broblem, wrth gwrs, mae yn gofyn cwestiwn sylfaenol ynglŷn â sut rŷm ni'n mynd i ddenu'r bobl i ymddiried yn y tai newydd, ymddiried yn eu prynu nhw, a hefyd y rhai sy'n benthyg morgeisi ar ei gefn ef, achos un o'r dulliau mwyaf dyfeisgar o symud ymlaen, wrth gwrs, yw bod benthyciadau morgais, wrth fynd ymlaen, yn cydnabod yr arbedion ariannol fydd yn cael eu gwneud mewn tai mwy effeithlon o ran ynni. Mae yna rai pobl sydd â diddordeb mewn benthyg arian ar gefn yr arbedion ariannol fydd yn cael eu creu. Mae'n edrych i fi fel cwlwm Gordian yma na fedrwn ei dorri nes bod safonau'n codi a nes bod ymddiriedaeth yn yr hyn sy'n cael ei gyflawni gan eich proffesiwn chi yn codi cryn dipyn. A ydych chi'n derbyn hynny fel problem?