English: Thank you, Deputy Presiding Officer. The fact is that the financial statement delivers a tax cut for 1.2 million plus people in Wales, meaning that they keep more of their own money - something that is difficult for the Welsh Government to accept - during these difficult times. Even Sir Keir Starmer welcomed the scrapping of the national insurance increase and cut to the basic rate of income tax, and said he would keep both, although his good friend Andy Burnham disagrees with this and said that it wasn't the time for tax cuts. So where's the continuity in thinking there? So, I wonder, who do you agree with, Minister? When is time for tax cuts, or is it just never the right time? I completely accept that some of the measures we all know about today have been subject to fierce debate and could have been explained better - I agree. But let's be honest, the cap on bonuses never restricted bankers' remuneration, and a 40 per cent higher rate of tax is what the UK had for over 20 years under previous Labour Governments. This is not a policy by focus groups but a long-term plan with the objective to get Britain growing again, to make the UK more competitive and to attract businesses, jobs and investment. Ultimately, Deputy Llywydd, what the new Chancellor has shown is that he has a plan to get Britain moving again, something that the Welsh Labour Government has struggled to do in Wales. Minister, we've heard your critique of the UK Government's plan for growth, but where is your plan? What is it? How is the Welsh Government seeking to boost investment into Wales to get more jobs into our communities and finally increase wages in Wales? For too long, Welsh workers have had the smallest pay packets in the UK, nearly £3,000 less a year than the people in Scotland. Is that a sound economic plan? I do welcome today's announcement regarding the land transaction tax following the Chancellor's statement, which will be thanks to the £70 million from the UK Government, but your Government could have and should have gone further to support families aspiring to buy their first home, particularly when the average house price in Wales is £240,000. You should be supporting economic growth. Deputy Presiding Officer, the fact is that the Welsh Labour Government hasn't got a proper plan. For too long, they have let the Welsh people down. Instead of creating opportunities and building aspiration, they suppress the country's economy with their lack of vision and strategy. This is where our philosophy is different. We don't think aspiration is a dirty word. People shouldn't feel guilty to want a better life for themselves and their families. The Minister also argues that the financial statement does not provide support for people during these tough times. For brevity, Deputy Llywydd, I won't repeat all of the schemes that the UK Government has announced over the past few months. But, let's not forget the energy price guarantee, which will save households around £1,000 a year, the energy bill relief scheme, as well as the numerous targeted help and support schemes, including the £400 energy bill support scheme, whilst the most vulnerable households will receive over £1,200 of additional help. Let's not forget that the UK Government has already raised the income tax and national insurance thresholds, meaning people on lower incomes already keep more of their own money. But, I accept there is more that needs to be done, and I worry that the Welsh Government is too preoccupied criticizing their UK counterparts at every opportunity rather than focusing on what else can be done to help people. So, how will the Welsh Government's upcoming budget help to deliver the targeted support that you are calling for? How will Ministers use their levers to provide as broad and supportive a package as possible? Thank you.
Welsh: Diolch i chi, Dirprwy Lywydd. Y gwir amdani yw bod y datganiad ariannol yn cyflawni toriad yn y dreth i 1.2 miliwn a mwy o bobl yng Nghymru, sy'n golygu eu bod nhw'n cadw mwy o'u harian eu hunain - rhywbeth sy'n anodd i Lywodraeth Cymru ei dderbyn - yn ystod y cyfnod anodd hwn. Fe wnaeth hyd yn oed Syr Keir Starmer groesawu diddymu'r cynnydd mewn yswiriant gwladol a'r toriad yng nghyfradd sylfaenol y dreth incwm, ac fe ddywedodd y byddai'n cadw'r ddau, er bod ei gyfaill da Andy Burnham yn anghytuno â hyn gan ddweud nad dyma'r amser am doriadau yn y dreth. Felly ble mae'r parhad o ran meddylfryd yn hynny? Felly, tybed, gyda phwy yr ydych chi'n cytuno, Gweinidog? Pryd mae hi'n amser i roi toriadau treth, neu efallai nad yw oes byth amser iawn i wneud hynny? Rwy'n derbyn yn llwyr fod rhai o'r mesurau yr ydym ni i gyd yn gwybod amdanyn nhw heddiw wedi bod yn destun dadlau ffyrnig ac y gellid bod wedi eu hesbonio nhw'n well - rwy'n cytuno â hynny. Ond gadewch i ni fod yn onest, ni wnaeth y cap ar fonysau erioed gyfyngu ar dâl bancwyr, a chyfradd uwch o dreth o 40 y cant yw'r hyn a oedd gan y DU am dros 20 mlynedd o dan Lywodraethau Llafur blaenorol. Nid polisi gan grwpiau ffocws yw hwn ond cynllun hirdymor gyda'r amcan o weld Prydain yn tyfu unwaith eto, a gwneud y DU yn fwy cystadleuol a denu busnesau, swyddi a buddsoddiad. Yn y pen draw, Dirprwy Lywydd, yr hyn y mae'r Canghellor newydd wedi ei ddangos yw bod ganddo gynllun i gael Prydain yn symud unwaith eto, rhywbeth y mae Llywodraeth Lafur Cymru wedi ei chael hi'n anodd ei wneud yng Nghymru. Gweinidog, rydym ni wedi clywed eich beirniadaeth chi o gynllun Llywodraeth y DU ar gyfer twf, ond ymhle mae eich cynllun chi? Beth yw hwnnw? Sut mae Llywodraeth Cymru am geisio hybu buddsoddiad yng Nghymru i gael mwy o swyddi i'n cymunedau ni a chynyddu cyflogau yng Nghymru o'r diwedd? Ers llawer gormod o amser, gweithwyr Cymru sydd wedi bod â'r cyflogau lleiaf yn y DU, bron i £3,000 yn llai bob blwyddyn na phobl yr Alban. Ai cynllun economaidd cadarn yw hwnnw? Rwy'n croesawu cyhoeddiad heddiw ynghylch y dreth trafodiadau tir yn dilyn datganiad y Canghellor, a fydd yn digwydd diolch i'r £70 miliwn gan Lywodraeth y DU, ond fe allai eich Llywodraeth, ac fe ddylai hi fod wedi mynd ymhellach i gefnogi teuluoedd sy'n dyheu am brynu eu cartref cyntaf, yn enwedig pan fo pris cyfartalog tŷ yng Nghymru yn £240,000. Fe ddylech chi fod yn cefnogi twf economaidd. Dirprwy Lywydd, y gwir amdani yw nad oes gan Lywodraeth Lafur Cymru gynllun addas. Am gyfnod rhy faith, maen nhw wedi siomi'r Cymry. Yn hytrach na chreu cyfleoedd a dyhead ar gyfer adeiladu, maen nhw wedi atal economi'r wlad gyda'u diffyg gweledigaeth a strategaeth. Dyma lle mae ein hathroniaeth ni'n wahanol. Nid ydym ni o'r farn mai gair anweddus yw dyhead. Ni ddylai pobl deimlo yn euog am eu hawydd i gael bywyd gwell iddyn nhw eu hunain a'u teuluoedd. Mae'r Gweinidog yn dadlau hefyd nad yw'r datganiad ariannol yn rhoi cymorth i bobl yn ystod y cyfnod anodd hwn. I fod yn gryno, Dirprwy Lywydd, nid wyf i am ailadrodd yr holl gynlluniau a gyhoeddodd Llywodraeth y DU dros y misoedd diwethaf. Ond, peidiwn ag anghofio'r warant o bris ynni, a fydd yn arbed tua £1,000 y flwyddyn i aelwydydd, y cynllun lliniaru biliau ynni, yn ogystal â'r cynlluniau cymorth a chefnogaeth wedi'u targedu niferus, gan gynnwys y cynllun cymorth biliau ynni gwerth £400, tra bydd y rhai mwyaf agored i niwed yn derbyn dros £1,200 o gymorth ychwanegol. Dewch i ni beidio ag anghofio bod Llywodraeth y DU wedi codi trothwy treth incwm ac yswiriant gwladol eisoes, sy'n golygu bod pobl ar incwm is yn cadw mwy o'u harian eu hunain yn barod. Ond, rwy'n derbyn bod angen gwneud mwy, ac rwy'n ofidus am fod Llywodraeth Cymru yn rhy brysur yn beirniadu eu cymheiriaid yn y DU ar bob cyfle yn hytrach na chanolbwyntio ar beth arall y gellid ei wneud i helpu pobl. Felly, sut fydd y gyllideb sydd ar y gweill gan Lywodraeth Cymru yn helpu i gyflawni'r cymorth wedi'i dargedu yr ydych chi'n galw amdano? Sut fydd Gweinidogion yn defnyddio eu hysgogiadau i ddarparu pecyn mor eang a chefnogol â phosibl? Diolch i chi.