techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: Yes, absolutely. David Melding will have heard me talking about some of the work we've been doing as part of the Fair Work Board to look at enforcement procedures that could be brought to Wales and used by local authorities. At the moment, there's a UK enforcement authority, which is in the north of England, that covers the whole of the UK. I'm very keen to ensure that we work with that UK Government department to get a few pilot authorities here in Wales to see what we can do with local enforcement to actually - because I personally believe that there's a lot to be said for having some visible trials and punishments of people who are engaged in that, as a very serious deterrent to those who think that they can get away with it. Also, you heard me talking about the extensive training that we're undergoing. I agree with him that a public awareness campaign of that sort would also be very beneficial.
Welsh: Yn bendant. Bydd David Melding wedi fy nghlywed yn sôn am beth o'r gwaith rydym wedi'i wneud fel rhan o'r Bwrdd Gwaith Teg i edrych ar weithdrefnau gorfodi y gellid eu dwyn i Gymru ac a ddefnyddir gan awdurdodau lleol. Ar hyn o bryd, ceir awdurdod gorfodi yn y DU, sydd yng ngogledd Lloegr, ac sy'n cwmpasu'r DU gyfan. Rwy'n awyddus iawn i sicrhau ein bod yn gweithio gyda'r adran honno yn Llywodraeth y DU i gael ychydig o awdurdodau peilot yng Nghymru i weld beth y gallwn ei wneud gyda gorfodi lleol er mwyn - oherwydd rwy'n credu'n bersonol fod llawer i'w ddweud dros gael rhai treialon gweladwy a chosbi pobl sy'n cymryd rhan yn hynny, fel rhwystr cadarn iawn i'r rheini sy'n credu y gallant wneud hyn heb eu cosbi. Hefyd, clywsoch fi'n sôn am yr hyfforddiant helaeth rydym yn ei gael. Rwy'n cytuno ag ef y byddai ymgyrch ymwybyddiaeth gyhoeddus o'r math hwnnw'n fuddiol iawn hefyd.
English: I'll be consulting on a new - . Sorry, it would helpful if I found the right question, wouldn't it, really. We're doing quite a lot in 5G technology in Wales. We've been looking quite a lot through the city deals at developing some good test-bed pilots for 5G technology and also in the new park, the automotive park, that we've talked about. We're also using it as an adjunct to fibre broadband to see what we can do with combination technologies, and a very large part of this will be what the UK Government does with the spectrum sales. So, we'll be making a lot of representations to the UK that they shouldn't regard 5G as a cash cow, but should actually think about what part of infrastructure it might play in public roll-out of some of the new artificial intelligence technologies, particularly autonomous vehicles and so on. So, there's a lot of work to be done in ensuring that we get the right exploitative benefit, and that the UK Government actually steps up to the mark and perceives 5G, as I say, not as a cash cow, but as a very serious public infrastructure resource.
Welsh: Byddaf yn ymgynghori ar - . Mae'n ddrwg gennyf, byddai'n help pe bawn yn dod o hyd i'r cwestiwn iawn, oni fyddai, mewn difrif. Rydym yn gwneud llawer mewn technoleg 5G yng Nghymru. Rydym wedi bod yn edrych cryn dipyn drwy'r bargeinion dinesig ar ddatblygu profion peilot technoleg 5G a hefyd yn y parc newydd, y parc modurol rydym wedi sôn amdano. Rydym hefyd yn ei ddefnyddio fel ategiad i fand eang ffibr i weld beth y gallwn ei wneud gyda thechnolegau cyfunol, a rhan fawr iawn o hyn fydd beth a wnaiff Llywodraeth y DU gyda gwerthiannau'r sbectrwm. Felly, byddwn yn cyflwyno llawer o sylwadau i'r DU na ddylent ystyried 5G fel coeden arian parod, ond mewn gwirionedd, dylent feddwl ynglŷn â pha ran o seilwaith y gallai ei chwarae wrth gyflwyno rhai o'r technolegau newydd deallusrwydd artiffisial yn gyhoeddus, yn enwedig cerbydau awtonomaidd ac ati. Felly, mae llawer o waith i'w wneud i sicrhau y cawn y budd iawn o ran y defnydd a wnawn o'r technolegau hyn, a bod Llywodraeth y DU mewn gwirionedd yn gwneud yr hyn a ddylai a gweld 5G, fel y dywedaf, nid fel coeden arian parod, ond fel adnodd seilwaith cyhoeddus o bwys.
English: Absolutely, and I wouldn't disagree there. Others have congratulated you on your appointment to Cabinet today. We've already been working together in my role as business manager and you as leader of the house. I congratulate you on bringing digital connectivity from the ministerial benches to the frontbench. I have a kind offer to make to you to mark your new role in the Cabinet, and that is to use the Isle of Anglesey as a test bed for the development of 5G technology. People who know far more than me about digital connectivity tell me that, actually, in terms of geography, in terms of military presence - [ Interruption.] - well, the fact that it's relatively flat, plus with the mountains nearby, actually, Anglesey would be a very good place to develop 5G technology. There's some good work going on at Bangor University as well in this field. I would be more than happy to facilitate in any way I can to make presentations to Government on how this could happen, but I would welcome, at this stage at least, a nod from Government that they are keen to look at test-bed areas in Wales that could include, and should, indeed, include, the Isle of Anglesey.
Welsh: Yn hollol, ac ni fyddwn yn anghytuno â hynny. Mae eraill wedi eich llongyfarch ar eich penodiad i'r Cabinet heddiw. Rydym eisoes wedi gweithio gyda'n gilydd yn fy rôl i fel rheolwr busnes a chi fel arweinydd y tŷ. Hoffwn eich llongyfarch ar ddod â chysylltedd digidol o'r meinciau gweinidogol i'r fainc flaen. Mae gennyf gynnig caredig i'w wneud i chi i nodi eich rôl newydd yn y Cabinet, sef defnyddio Ynys Môn fel man arbrofi ar gyfer datblygu technoleg 5G. Mae pobl sy'n gwybod llawer mwy na mi am gysylltedd digidol yn dweud wrthyf, o ran daearyddiaeth mewn gwirionedd, o ran presenoldeb milwrol - [ Torri ar draws.] - wel, y ffaith ei bod yn gymharol wastad, ynghyd â'r mynyddoedd gerllaw, mewn gwirionedd, byddai Ynys Môn yn fan da iawn ar gyfer datblygu technoleg 5G. Mae gwaith da'n digwydd ym Mhrifysgol Bangor hefyd yn y maes hwn. Buaswn yn fwy na pharod i hwyluso mewn unrhyw ffordd y gallaf unrhyw waith ar lunio cyflwyniadau i'r Llywodraeth ar sut y gallai hyn ddigwydd, ond buaswn yn croesawu, ar y cam hwn o leiaf, arwydd gan y Llywodraeth eu bod yn awyddus i edrych ar ardaloedd arbrofi yng Nghymru a allai, ac a ddylai yn wir, gynnwys Ynys Môn.
English: We're very keen to support the development of 5G test beds right across Wales, and certainly I'm very happy to come and look, with the Member, at the possibilities on Anglesey. We are currently looking at a couple of test beds already. We've appointed Innovation Point to advise, stimulate and co-ordinate activity on 5G in Wales, including opportunities to secure funding from the test bed and trials fund. So, we'll be looking into that very shortly. I mentioned Ebbw Vale and the automotive technology park already; also the digital infrastructure proposal in Swansea bay city region also focuses on investment in 5G technology and how applications through the city deal could support projects within the area. The Cardiff city deal is also looking at it. I would emphasise that it is important that the UK Government actually develops the proposal in the right way. We're not expecting to roll out 5G networks anywhere in the world until around 2020, so we have some time to make sure that happens. It is imperative, however, that the Government doesn't do anything that's counterindicitive to it being a really good public infrastructure resource.
Welsh: Rydym yn awyddus iawn i gefnogi'r gwaith o ddatblygu profion 5G ar draws Cymru, ac yn sicr rwy'n hapus iawn i ddod i edrych, gyda'r aelod ar y posibiliadau ar Ynys Môn. Ar hyn o bryd rydym eisoes yn edrych ar un neu ddau o fannau arbrofi. Rydym wedi penodi Yr Arloesfa i gynghori, ysgogi a chyd-drefnu gweithgaredd 5G yng Nghymru, gan gynnwys cyfleoedd i sicrhau cyllid o'r gronfa brofion a threialu. Felly, byddwn yn edrych ar hynny cyn bo hir. Soniais am Lynebwy a'r parc technoleg modurol eisoes; hefyd mae'r cynnig seilwaith digidol yn ninas-ranbarth bae Abertawe yn canolbwyntio ar fuddsoddi mewn technoleg 5G a sut y gallai ceisiadau drwy'r fargen ddinesig gefnogi prosiectau yn yr ardal. Mae bargen ddinesig Caerdydd hefyd yn edrych arni. Hoffwn bwysleisio ei bod yn bwysig i Lywodraeth y DU ddatblygu'r cynnig yn y ffordd iawn mewn gwirionedd. Nid ydym yn disgwyl cyflwyno'r rhwydweithiau 5G yn unrhyw le yn y byd tan oddeutu 2020, felly mae gennym amser i wneud yn siŵr fod hynny'n digwydd. Mae'n hanfodol, fodd bynnag, nad yw'r Llywodraeth yn gwneud dim sy'n amharu ar ei allu i fod yn adnodd seilwaith cyhoeddus gwirioneddol dda.
English: Thank you, Cabinet Secretary.
Welsh: Diolch i Ysgrifennydd y Cabinet.
English: The next item is questions to the Assembly Commission, but no questions were tabled.
Welsh: Yr eitem nesaf yw'r cwestiynau i Gomisiwn y Cynulliad, ond ni chyflwynwyd unrhyw gwestiynau.
English: That brings us to the topical questions, and the first topical question is from Adam Price.
Welsh: Ac, felly, y cwestiynau amserol. Y cwestiwn cyntaf, Adam Price.
English: Diolch yn fawr, Llywydd. Ministers have consistently called on commercial banks to maintain a strong branch network presence in Wales. The issue considered by the Public Policy Institute for Wales was the establishment of a public bank that prioritised economic development. The Development Bank of Wales will now take that report forward.
Welsh: Diolch yn fawr, Lywydd. Mae Gweinidogion wedi bod yn galw'n gyson ar fanciau masnachol i gynnal rhwydwaith cryf o bresenoldeb canghennau yng Nghymru. Yr mater a ystyriwyd gan y Sefydliad Polisi Cyhoeddus i Gymru oedd sefydlu banc cyhoeddus i flaenoriaethu datblygu economaidd. Bydd Banc Datblygu Cymru yn symud yr adroddiad hwnnw yn ei flaen yn awr.
English: Well, the Cabinet Secretary will, of course, be aware of the announcements that a number of banks have made about branch closures throughout Wales, including in my constituency. With these latest announcements, the number of branches that will have closed since 2011 in Wales now extends to 186 branches, and five of the 10 areas that have faced the greatest number of branch closures are in Wales, including Carmarthenshire. So, it is a crisis. I have read the report, which was commissioned by the Government, of course. It was published by the Cabinet Secretary for the economy as a result of a short debate held by Plaid Cymru on banking. That report - it's not entirely correct to say that it only refers to economic development, because it also mentions models such as the Hampshire community bank, which relates to community banking. Therefore, may I ask, please, Cabinet Secretary, what you are going to do in terms of this crisis regarding community banking for the citizens of Wales, who are now in a situation where, in many parts of Wales, there is no financial service available for them at all?
Welsh: Wel, mi fydd yr Ysgrifennydd Cabinet, wrth gwrs, yn ymwybodol o'r cyhoeddiadau, a dweud y gwir, gan nifer o fanciau am gau canghennau ar draws Cymru, gan gynnwys yn fy etholaeth i. Gyda'r cyhoeddiadau diweddaraf yma, wrth gwrs, mae'r ffigwr o ganghennau a fydd wedi cau ers 2011 yng Nghymru nawr yn ymestyn i 186 o ganghennau. A dweud y gwir, mae pump o'r 10 ardal sydd wedi wynebu cau y mwyaf o ganghennau banc yng Nghymru, gan gynnwys sir Gaerfyrddin. Felly, mae yn greisis. Rydw i wedi darllen yr adroddiad, a oedd wedi'i gomisiynu, wrth gwrs, gan y Llywodraeth. Roedd e wedi cael ei gyhoeddi gan yr Ysgrifennydd Cabinet dros yr economi yn sgil dadl fer gan Blaid Cymru ar fancio. Mae'r adroddiad - nid yw'n gwbl gywir dweud bod yr adroddiad ond yn ffocysu ar ddatblygu economaidd, achos mae e'n sôn am fodelau fel banc cymunedol Hampshire, sydd yn ymwneud â bancio cymunedol. Felly, a gaf i ofyn, os gwelwch yn dda, i'r Ysgrifennydd Cabinet: beth ydych chi'n mynd i'w wneud o ran yr argyfwng o ran banciau cymunedol ar gyfer dinasyddion Cymru, sy'n wynebu sefyllfa nawr, i ddweud y gwir, lle, yn rhannau helaeth o Gymru, nid oes gwasanaeth ariannol ar gael ar eu cyfer nhw o gwbl?
English: Llywydd, I am aware of the figures and the pattern that have emerged here in Wales.
Welsh: Llywydd, wrth gwrs rydw i yn ymwybodol o'r ffigurau a'r patrwm sydd wedi datblygu yma yng Nghymru.
English: I thank the Member for that very useful contribution. I'm sure every single one of us here, at constituency level, are dealing with the consequences of bank closures in urban and in rural Wales. I recognise what the Member says about the nature of consultation, which often does seem to be carried out simply to confirm a commercial decision that the bank has already taken. A statutory basis for consultation would strengthen the rights of individuals and their representatives to make sure that proper arguments about access and equity - and the needs of different populations and groups within populations - could be properly put to banks, at least with some confidence that those views were being properly articulated and heard.
Welsh: Diolch i'r Aelod am y cyfraniad defnyddiol hwnnw. Rwy'n siŵr fod pob un ohonom yma, ar lefel etholaeth, yn ymdrin â chanlyniadau cau banciau mewn ardaloedd trefol ac yng nghefn gwlad Cymru. Rwy'n cydnabod yr hyn a ddywed yr Aelod am natur ymgynghori, sy'n aml i'w weld ond yn cael ei gyflawni er mwyn cadarnhau penderfyniad masnachol y mae'r banc eisoes wedi'i wneud. Byddai sail statudol ar gyfer ymgynghori yn cryfhau hawliau unigolion a'u cynrychiolwyr i wneud yn siŵr y gellid cyflwyno dadleuon priodol ynghylch mynediad a thegwch - ac anghenion poblogaethau gwahanol a grwpiau o fewn poblogaethau - yn briodol i fanciau, gyda rhywfaint o hyder o leiaf fod y safbwyntiau hynny'n cael eu mynegi a'u clywed yn iawn.
English: Can I agree with the contribution from Mick Antoniw? I would say there's not one Member in this Chamber who's successfully been able to change a bank's mind once they've taken their decision. I have previously raised in this Chamber the idea of the Government facilitating discussions between the bank and the Financial Conduct Authority and other partners to explore a community banking model that would see banks share services. Now, I've heard what you've said about post offices and credit unions, but when I've raised this proposal before with your colleagues in Government, in the Chamber here, I've always had a positive response. The First Minister gave me a positive response earlier this year, saying that he would consider that proposal. But, can I ask what developments there have been? I don't really want to hear one word saying it's a good idea; what I want to hear is an update. Have you met with the banks? Have your colleagues met with the banks? Have you had discussions with the Financial Conduct Authority? Can we make progress on Government facilitating discussions with the banks to take this forward?
Welsh: A gaf fi gytuno gyda'r cyfraniad gan Mick Antoniw? Buaswn yn dweud nad oes unrhyw Aelod yn y Siambr hon wedi llwyddo i newid meddwl banc pan fyddant wedi gwneud eu penderfyniad. Rwyf wedi siarad yn y Siambr yn flaenorol am y syniad y gallai'r Llywodraeth hwyluso trafodaethau rhwng y banc a'r Awdurdod Ymddygiad Ariannol a phartneriaid eraill i archwilio model bancio cymunedol a fyddai'n golygu bod banciau'n rhannu gwasanaethau. Nawr, clywais yr hyn a ddywedoch ynglŷn â swyddfeydd post ac undebau credyd, ond pan grybwyllais y cynnig hwn wrth eich cyd-Aelodau yn y Llywodraeth, yn y Siambr yma, cefais ymateb cadarnhaol bob amser. Rhoddodd y Prif Weinidog ymateb cadarnhaol i mi yn gynharach eleni, gan ddweud y byddai'n ystyried y cynnig hwnnw. Ond a gaf fi ofyn pa ddatblygiadau a fu? Nid wyf eisiau clywed un gair yn dweud ei fod yn syniad da; yr hyn rwyf am ei glywed yw'r wybodaeth ddiweddaraf. A ydych wedi cyfarfod â'r banciau? A yw eich cyd-Aelodau wedi cyfarfod â'r banciau? A ydych wedi cael trafodaethau gyda'r Awdurdod Ymddygiad Ariannol? A allwn wneud cynnydd a gweld y Llywodraeth yn hwyluso trafodaethau gyda'r banciau er mwyn symud hyn yn ei flaen?
English: Llywydd, as the Member will know, this is primarily the responsibility of my colleague Ken Skates in taking forward the suggestions that he has made. The note that I have is that, as a result of a previous question that he raised, Welsh Government officials have had discussions with regional leads in the banking industry to look at ways in which bank premises in rural locations, for example, could be repurposed to help deliver wider community services, and that those discussions have also touched on the community facilities programme that we have as a Welsh Government to see whether existing facilities that are being adapted with community facilities and activities programme funding could include a banking purpose in the way that services from those premises are provided in future. I'll make sure that my colleague knows of the question you've raised this afternoon. I think you can be assured that it has been more than just words, that actual meetings have taken place and a potential agenda for action is being developed as a result of those meetings.
Welsh: Lywydd, fel y gŵyr yr Aelod, cyfrifoldeb fy nghyd-Aelod, Ken Skates, yw hyn yn bennaf o ran datblygu'r awgrymiadau a wnaeth. Mae'r nodyn sydd gennyf yn dweud bod swyddogion Llywodraeth Cymru wedi cynnal trafodaethau gydag arweinwyr rhanbarthol yn y diwydiant bancio, o ganlyniad i gwestiwn blaenorol a ofynnwyd ganddo, i edrych ar ffyrdd y gellid newid defnydd safleoedd banciau mewn ardaloedd gwledig, er enghraifft, i helpu i ddarparu gwasanaethau cymunedol ehangach, ac mae'r trafodaethau hynny hefyd wedi cyffwrdd ar y rhaglen cyfleusterau cymunedol sydd gennym fel Llywodraeth Cymru i weld a allai'r cyfleusterau presennol sy'n cael eu haddasu drwy arian y rhaglen cyfleusterau a gweithgareddau cymunedol gynnwys diben bancio yn y ffordd y darperir gwasanaethau o'r safleoedd hynny yn y dyfodol. Fe wnaf yn siŵr fod fy nghyd-Aelod yn gwybod am y cwestiwn rydych wedi ei ofyn y prynhawn yma. Rwy'n credu y gallwch fod yn sicr ei fod wedi bod yn fwy na geiriau'n unig, fod cyfarfodydd go iawn wedi cael eu cynnal ac agenda bosibl ar gyfer gweithredu yn cael ei datblygu o ganlyniad i'r cyfarfodydd hynny.
English: I thank Simon Thomas for those points. My party had exactly that policy in our manifesto at elections this year, and, I think, in 2015. It's based on the 1976 community banking Act that's been there in the United States of America ever since that time. Where a bank retreats from a high street, it has a legal obligation to ensure that there are replacement facilities for those, where a need can be demonstrated, and to provide the funding that creates those facilities. Where there are rural communities, as in Llandysul, where no banking facilities exist - or, even, in urban communities. I could've replicated his account for the high street in Llandaff in my constituency. Now, you could say, 'Well, Llandaff is in an urban area and you could find another bank not that far away.' But actually, for certain groups in the population who are not used to online banking, and for whom mobility can be a difficulty, the need for a face-to-face place where you can go and transact business is very real. It's just those sorts of identified needs that the 1976 banking Act in the United States was designed to address, and I think it lends strength to the argument the Member has made about a statutory framework to ensure that individuals and areas are not abandoned from essential services in this area in the future.
Welsh: Diolch i Simon Thomas am y pwyntiau hynny. Dyna'n union oedd polisi fy mhlaid yn ein maniffesto ar gyfer etholiadau'r flwyddyn hon, ac yn 2015, rwy'n credu. Mae'n seiliedig ar Ddeddf bancio cymunedol 1976 a fu'n weithredol yn Unol Daleithiau America ers yr amser hwnnw. Lle mae banc yn cau ar y stryd fawr, mae ganddo rwymedigaeth gyfreithiol i sicrhau bod cyfleusterau newydd ar gyfer y rheini, lle y gellir dangos bod angen, ac i ddarparu'r cyllid ar gyfer creu'r cyfleusterau hynny. Lle y ceir cymunedau gwledig, fel yn Llandysul, lle nad oes cyfleusterau bancio'n bodoli - neu mewn cymunedau trefol hyd yn oed. Gellid bod wedi ailadrodd yr hyn a ddywedodd am y stryd fawr yn Llandaf yn fy etholaeth. Nawr, gallech ddweud, 'Wel, mae Llandaf mewn ardal drefol a gallech ddod o hyd i fanc arall heb fod mod bell â hynny i ffwrdd.' Ond mewn gwirionedd, ar gyfer rhai grwpiau yn y boblogaeth nad ydynt wedi arfer bancio ar-lein, ac sy'n ei chael hi'n anodd symud o gwmpas, mae'r angen am rywle wyneb yn wyneb lle y gallwch fynd i drafod busnes yn real iawn. Ar gyfer y mathau hynny o anghenion a nodwyd y lluniwyd Deddf bancio 1976 yr Unol Daleithiau i fynd i'r afael â hwy, a chredaf fod sicrhau na chaiff unigolion ac ardaloedd eu hamddifadu o wasanaethau hanfodol yn y maes hwn yn y dyfodol yn cryfhau'r ddadl a wnaeth yr Aelod ynglŷn â fframwaith statudol.
English: Llywydd, Nick Ramsay makes a number of important points. I don't think the banks are in any doubt about the strength of feeling that their actions engender in local communities and on behalf of people who represent those communities. Their answer to you would be that they are commercial organisations and they are acting commercially. Our answer, in return, has to be that even commercial organisations have certain obligations to the communities that they serve, because their ability to be successful commercial organisations depends, very often, on the public infrastructure that surrounds them and allows them to do business. So, I agree with him about the need to make sure that there is no ambiguity in the messages that we give to the retail banking sector about those obligations. I agree with other contributors this afternoon that more could be done to place a statutory framework around that in terms of consultation and in terms of replacement services. The Welsh Government plays its part in that, albeit always having to recognise that most of these responsibilities are ones that do not lie in our hands. In relation to the first point that Nick Ramsay made about an accessible service from the Development Bank of Wales, that is exactly what our ambition would be. The best way to achieve that is something that we will want to continue to work on, but the principle of making sure that the Development Bank of Wales will be readily accessible to those who will want to use it is one with which we would have no disagreement.
Welsh: Lywydd, mae Nick Ramsay yn gwneud nifer o bwyntiau pwysig. Nid wyf yn meddwl bod unrhyw amheuaeth gan y banciau ynghylch cryfder y teimlad y mae eu gweithredoedd yn ei ennyn mewn cymunedau lleol ac ar ran y bobl sy'n cynrychioli'r cymunedau hynny. Eu hateb i chi fyddai nad ydynt yn sefydliadau masnachol a'u bod yn gweithredu'n fasnachol. Rhaid mai ein hymateb i hynny yw bod gan sefydliadau masnachol hyd yn oed rwymedigaethau penodol i'r cymunedau y maent yn eu gwasanaethu, oherwydd bod eu gallu i fod yn sefydliadau masnachol llwyddiannus yn dibynnu, yn aml iawn, ar y seilwaith cyhoeddus sydd o'u cwmpas ac sy'n eu galluogi i wneud busnes. Felly, cytunaf ag ef am yr angen i wneud yn siŵr nad oes unrhyw amwysedd yn y negeseuon a roddwn i'r sector bancio manwerthu ynglŷn â'r rhwymedigaethau hynny. Rwy'n cytuno â chyfranwyr eraill y prynhawn yma y gellid gwneud mwy i osod fframwaith statudol o gwmpas hynny mewn perthynas ag ymgynghori a gwasanaethau newydd. Mae Llywodraeth Cymru'n chwarae ei rhan yn hynny, er ei bod bob amser yn gorfod cydnabod bod y rhan fwyaf o'r cyfrifoldebau hyn yn rhai nad ydynt yn ein dwylo ni. O ran y pwynt cyntaf a wnaeth Nick Ramsay am wasanaeth hygyrch gan Fanc Datblygu Cymru, dyna'n union beth fyddai ein huchelgais. Mae'r ffordd orau i gyflawni hynny'n rhywbeth y byddwn am barhau i weithio arni, ond mae'r egwyddor o wneud yn siŵr y bydd Banc Datblygu Cymru yn hygyrch iawn i'r rheini a fydd am ei ddefnyddio yn un na fyddem yn anghytuno â hi.