English: Thank you, Deputy Presiding Officer. I want to start off by welcoming David Melding's first remarks about working across the Chamber, and to echo the First Minister's welcome of good ideas from any source, and echo them. So, I think there is much to be commended in the Conservatives' plan, and also, actually, in Plaid Cymru's plan. And I think we do have some shared agendas across the Chamber, and I'd very much like to work with people to discover how we can take our shared agenda forward. But I do also want to say that I am always quite astonished by people's complete lack of comprehension about the problems created by poverty and, in particular, by universal credit roll-out and other things. So, let me just tell you one of them, so if you're really concerned, you can join Crisis's campaign on this. The local housing allowance has been zero rated since 2016 - for four years. So, the result of that is that if you're in the private rented sector and you're on universal credit, you are paying the difference between the local housing allowance and the rent in that sector. That is driving homelessness. That is a direct Conservative Party policy. I don't know what's going to happen next year, but if you have any influence on that, please try to bring it to bear, because we have written repeatedly to say that, clearly, this is driving people out of the private rented sector - and you're absolutely right, we need to build more social housing and you're absolutely right, we're going as fast as possible since the Conservative Government saw sense and took the caps off, only at the end of last year. All this talk about 20 years - we have not been allowed to do it until last year. Now we are allowed to do it, we are doing it at pace and scale. You're helping us with that - you share that agenda, I know. But we also need to make sure that people in the private rented sector can afford their rents, and at the moment they cannot. So, if you want to do something, do that.
Welsh: Diolch yn fawr, Ddirprwy Lywydd. Rwyf am ddechrau drwy groesawu sylwadau cyntaf David Melding am weithio ar draws y Siambr, ac adleisio croeso'r Prif Weinidog i syniadau da o unrhyw ffynhonnell, a'u hadleisio. Felly, rwy'n credu bod llawer i'w ganmol yng nghynllun y Ceidwadwyr, a hefyd, mewn gwirionedd, yng nghynllun Plaid Cymru. Ac rwy'n meddwl bod gennym ni rai agendâu a rennir ar draws y Siambr, ac rwy'n awyddus iawn i weithio gyda phobl i ddarganfod sut y gallwn fwrw ymlaen â'n hagenda ar y cyd. Ond rwyf am ddweud hefyd fy mod bob amser yn rhyfeddu at ddiffyg dealltwriaeth lwyr pobl o'r problemau a grëir gan dlodi ac yn arbennig, gan gyflwyno credyd cynhwysol a phethau eraill. Felly, gadewch i mi ddweud un ohonynt wrthych, felly os ydych chi'n wirioneddol bryderus, gallwch ymuno ag ymgyrch Crisis ar hyn. Mae'r lwfans tai lleol wedi bod yn ddim ers 2016 - ers pedair blynedd. Felly, canlyniad hynny, os ydych yn y sector rhentu preifat a'ch bod ar gredyd cynhwysol, yw eich bod yn talu'r gwahaniaeth rhwng y lwfans tai lleol a'r rhent yn y sector hwnnw. Mae hynny'n hybu digartrefedd. Mae'n bolisi uniongyrchol gan y Blaid Geidwadol. Nid wyf yn gwybod beth sy'n mynd i ddigwydd y flwyddyn nesaf, ond os oes gennych unrhyw ddylanwad ar hynny, ceisiwch wneud, gan ein bod wedi ysgrifennu dro ar ôl tro i ddweud bod hyn, yn amlwg, yn gyrru pobl allan o'r sector rhentu preifat - ac rydych chi'n gywir, mae angen i ni adeiladu mwy o dai cymdeithasol ac rydych chi'n gywir, rydym yn mynd mor gyflym â phosibl ers i'r Llywodraeth Geidwadol weld synnwyr a thynnu'r capiau, ddiwedd y llynedd. Mae'r holl sôn am 20 mlynedd - nid ydym wedi cael gwneud hynny tan y llynedd. Rydym yn cael gwneud hynny yn awr, rydym yn ei wneud yn gyflym ac ar raddfa fawr. Rydych yn ein helpu gyda hynny - rydych yn rhannu'r agenda honno, rwy'n gwybod. Ond mae angen i ni hefyd sicrhau bod pobl yn y sector rhentu preifat yn gallu fforddio eu rhenti, ac ar hyn o bryd ni allant wneud hynny. Felly, os ydych am wneud rhywbeth, gwnewch hynny.