English: Diolch, Heledd. Just in terms of the review, as was part of the discussion between us, there are a number of different types of review going on. I just referenced the two by the flood and coastal erosion committee, for example. So, Professor Elwen Evans KC's review fits into a pattern of other pieces of work that are going on, so just to reassure that it's not intended to be a catch-all, and I know you know that. She will be writing out to relevant elected representatives asking them for input at an appropriate time in her review. She's got to be allowed to get on with it, it's independent, obviously, although it's been commissioned jointly between us under the co-operation agreement. I anticipate that that will not be very much longer now, and it's up to her how she does that, though the terms of reference are pretty clear that she has to do that. I would be very surprised indeed if the Rhondda area wasn't a part of that, because that's obviously where much of the flooding has just occurred, and this is a review that we want to learn lessons from, not just from the past, but ongoing. I'm sure that there will be other many-times impacted areas of Wales that she'll want to discuss with elected representatives there. So, I anticipate that happening shortly. I don't have the actual date on me - well, I don't know the actual date, it's up to her, but that was something that she certainly discussed with myself and the designated Member for this purpose, so I'm sure that that's on its way. What we want to do is learn lessons from those sets of reviews about how things are working on the ground and what improvements there will need to be. We know that there will need to be improvements, we wouldn't be asking for the reviews if we thought everything was tremendous. So, we will be wanting to look at those, digest them and then come forward with a set of improvements. One of the things that we are looking at is this whole flood awareness issue, so, again, I want to pay tribute to the people who've been out in all weathers across Wales from every single responder service, including NRW. I think we forget a little bit that the hard resource that we see in the river, the intervention, requires those people to be out making sure that it works. So, I do want to just make sure that we acknowledge the difficulty of their working conditions. But also, it's just heartbreaking to have your house flooded, never mind if it's happening twice in three days. We absolutely know that, and that's why we've got this big investment programme, and, again, we've got an agreement in the co-operation agreement to put the coastal risk programme up - sorry, I've suddenly got a frog in my throat, excuse me - and that's very welcome. What is very good to see is that, in the response coming back from the local authorities this time, the properties the had been protected were protected. So, it's not like it didn't work, it's just that it's getting worse, so more properties keep getting into the flooding area. But the ones that were at risk last time and had the flood defences put in were protected, so that's something to be grateful for, although, as we see, climate change is accelerating, so we need to expand the programme. I don't have any problem at all with the suggestion about looking at flood action groups, only to say that we are just waiting on the review outcomes so that we can go through them, and I'm sure that that will be one of the things that we consider. The skills gap is also something we've been considering, as is the insurance. Vaughan Gething and I met to discuss the issues around insurance, particularly commercial insurance, very recently. I think it might have been yesterday, but my time sense is terrible, it might have been the day before - well, it wouldn't have been the day before, would it, so it was probably Monday or Friday, anyway. We will be approaching the UK Government about putting in place a similar scheme for businesses, although it's more complicated for commercial properties. I don't know why I'm suddenly coughing. [ Interruption. ] So, I share your concern and want to reassure you that we are doing what you've asked. Sorry.
Welsh: Diolch, Heledd. Dim ond o ran yr adolygiad, a oedd yn rhan o'r drafodaeth a fu rhyngom ni, fe geir nifer o wahanol fathau o adolygiad yn digwydd ar hyn o bryd. Fe gyfeiriais i at y ddau gan y pwyllgor llifogydd ac erydu arfordirol, er enghraifft. Felly, mae adolygiad yr Athro Elwen Evans KC yn dilyn patrwm darnau eraill o waith sy'n digwydd, felly dim ond ar gyfer tawelu meddyliau nad y bwriad yw i hwnnw gwmpasu popeth, ac fe wn i eich bod chi'n gwybod hynny. Fe fydd hi'n ysgrifennu at gynrychiolwyr etholedig perthnasol yn gofyn iddyn nhw am fewnbwn ar gam priodol yn ei hadolygiad hi. Mae'n rhaid i ni ganiatáu iddi hi fwrw ymlaen, mae'r adolygiad yn annibynnol, yn amlwg, er iddo gael ei gomisiynu ar y cyd rhyngom ni yn unol â'r cytundeb cydweithredu. Rwy'n rhagweld na fydd hi'n cymryd llawer mwy i hwnnw ddod nawr, a mater iddi hi yw sut y bydd hi'n gwneud hynny, er bod y cylch gwaith yn eglur iawn ei bod hi'n ofynnol iddi wneud hynny. Fe fyddwn i'n synnu'n fawr yn wir pe na fyddai ardal y Rhondda yn rhan o'r adolygiad hwnnw, oherwydd yn amlwg dyna ble roedd llawer o'r llifogydd diweddar iawn, ac mae hwn yn adolygiad yr ydym ni'n awyddus i ddysgu gwersi ohono, nid dim ond o'r gorffennol yn unig, ond trwy'r amser. Rwy'n siŵr y bydd yna ardaloedd eraill yng Nghymru yr effeithiwyd arnyn nhw sawl gwaith y bydd angen eu trafod gyda chynrychiolwyr etholedig yn y mannau hynny. Felly, rwy'n rhagweld y bydd hynny'n digwydd yn fuan. Nid oes gennyf i ddyddiad gwirioneddol yma - wel, ni wn i am y dyddiad gwirioneddol, mater iddi hi yw hwnnw, ond, yn sicr fe drafodwyd hynny gyda'r Aelod dynodedig a minnau at y diben hwn, felly rwy'n siŵr bod yr adolygiad ar ei ffordd. Yr hyn yr ydym ni'n dymuno ei wneud yw dysgu gwersi o'r setiau hynny o adolygiadau ynglŷn â sut mae pethau yn gweithio ar lawr gwlad a pha welliannau fydd eu hangen. Rydym ni'n gwybod y bydd angen gwelliannau, ni fyddem wedi gofyn am adolygiadau pe byddem ni'n credu bod popeth yn rhagorol. Felly, fe fyddwn ni'n dymuno edrych ar y rhain, pori drostyn nhw a chyflwyno cyfres o welliannau wedyn. Un o'r pethau yr ydym ni'n eu hystyried yw'r holl fater hwn o ymwybyddiaeth am lifogydd, felly, unwaith eto, fe hoffwn i roi teyrnged i'r bobl sydd wedi bod allan ym mhob tywydd ledled Cymru o bob un o'r gwasanaethau ymatebwyr, yn cynnwys CNC. Rwy'n credu ein bod ni'n anghofio rhywfaint o'r adnodd gwirioneddol a welwn ni yn yr afon, sef yr ymyrraeth, yn gofyn i'r bobl hyn fod allan yn sicrhau ei fod yn gweithio. Felly, fe hoffwn ni wneud yn siŵr ein bod ni'n cydnabod anhawster eu hamodau gwaith. Ond hefyd, peth torcalonnus yw cael llifogydd yn eich cartref, heb sôn am i'r peth ddigwydd ddwywaith mewn tridiau. Rydym ni'n llwyr gydnabod hynny, a dyna pam mae'r rhaglen fuddsoddi fawr hon gennym ni, ac, unwaith eto, mae gennym ni gytundeb yn y cytundeb cydweithredu i sefydlu'r rhaglen risg arfordirol - mae'n ddrwg gen i, rwyf wedi mynd yn grug yn sydyn, esgusodwch fi - ac mae hynny i'w groesawu yn fawr. Yr hyn sy'n dda iawn i'w weld, yn yr ymateb sy'n dod gan yr awdurdodau lleol y tro hwn, yw bod y tai a amddiffynnwyd wedi cael eu diogelu. Felly, nid yw hi fel pe bai hynny heb weithio, dim ond bod llifogydd yn gwaethygu, felly mae mwy o dai eto yn cael eu nodi mewn ardaloedd lle ceir llifogydd. Ond roedd y rhai a oedd mewn perygl y tro diwethaf ac a gafodd yr amddiffynfeydd rhag llifogydd wedi cael eu diogelu, felly mae hynny'n rhywbeth i fod yn ddiolchgar amdano, er, fel rydym ni'n ei weld, mae newid hinsawdd yn cyflymu, felly mae angen i ni ehangu'r rhaglen hon. Nid oes gennyf i unrhyw broblem o gwbl gyda'r awgrym ynglŷn ag edrych ar grwpiau gweithredu llifogydd, dim ond dweud ein bod ni'n aros am ganlyniadau'r adolygiad ar gyfer mynd trwyddyn nhw, ac rwy'n siŵr y bydd hwnnw'n un o'r pethau y byddwn ni'n rhoi ystyriaeth iddyn nhw. Mae'r bwlch sgiliau yn rhywbeth yr ydym ni wedi bod yn ei ystyried hefyd, fel yswiriant. Fe wnaeth Vaughan Gething a minnau gyfarfod i drafod materion yswiriant, yn enwedig yswiriant masnachol, yn ddiweddar iawn. Rwy'n credu efallai mai ddoe oedd hi, ond mae fy synnwyr i o amser yn ofnadwy, efallai mai echdoe oedd hi - wel, nid echdoe a fyddai hi chwaith, felly mae'n debyg mai dydd Llun neu ddydd Gwener oedd hi, beth bynnag am hynny. Rydym ni am fynd at Lywodraeth y DU i drafod sefydlu cynllun tebyg ar gyfer busnesau, er y byddai hynny'n fwy cymhleth ar gyfer eiddo masnachol. Rwy'n pesychu yn sydyn, heb wybod pam. [ Torri ar draws. ] Felly, rwy'n rhannu eich pryderon chi ac yn awyddus i'ch sicrhau chi ein bod ni'n gwneud yr hyn y gwnaethoch chi ofyn yn ei gylch. Mae'n ddrwg gen i.