English: Thank you very much for those remarks, David Melding. On the insurance point, I made the point very briefly in the statement that we are co-operating with a UK-wide series of special interest groups, insurers being one of them, because it's actually very important so that people can get mortgages and get the warranties right. And there's a big issue with the International Organization for Standardization standards and needing to update them for modern methods of construction. So, some of the ISO standards were made back in the 1970s, when these things just did not exist. And, actually, the carbon-neutral elements of this often don't comply with the ISO standards, for all sorts of very good reasons. So, there's quite a bit of work to do, which is why there'll be an implementation strategy to follow around what we need to do to ensure that we're on the right page for all of that, and, quite clearly, we'll want people to be able to work across the UK - and, in fact, across Europe and so on - from a Welsh manufacturing base. And so it's very important to make sure that we get the standards that are right for the sector. So, I don't disagree with any of that. I take the point about the precision in assembly and construction, but one of the things I was really struck by when I visited Hale Construction in Jeremy Miles's constituency yesterday - I've visited a number of these factories and it's the same in all of them - was that, actually, of course, there's much closer supervision of each section of the construction as it goes along. And, unfortunately, we've seen, with traditional methods of construction and all of the fire risks that we've discussed many times in this Chamber, that actually that oversight is not there on the traditional building site - for all kinds of perfectly good reasons, but it isn't there - and so, actually, there have been a lot of subsequent faults discovered, whereas this process actually highlights them straight away. We were shown yesterday the injection of the insulation into a panel, for example, where it's quite obvious that doing it indoors, in the dry, with an injection system, gets every single crevice out of it and all the air and everything else, whereas that's not the case when you do it on-site with an injection system. So, it has lots of advantages. There are a couple of disadvantages, though, that's for sure. The other thing is that yesterday morning it was pouring with rain, and there were - . It was incredibly awful weather, as we've been hearing in the earlier part of business this afternoon, and the factory was in full production. And I had passed several construction sites on the way to the visit, which I know have social housing being built on them, which were all on stop, because the weather was appalling and nothing could happen. But this factory was in absolute full production, and all of its staff members were in the warm and dry and they were carrying on as normal. So, actually, that's no small thing in a climate emergency and a country like ours. It was also demonstrated to us yesterday that a large part of the construction is watertight immediately. So, even if you're assembling it on-site, it's still waterproof - the panels are waterproof and so on. So, there are lots of benefits for a place like ours. And the last thing I want to just welcome your saying is the opportunity for the Welsh timber industry, because I think this is an important point in terms of the flooding problem that we had earlier. Obviously we need to plant a lot more trees - trees take up water; we need to plant them at the top of watercourses and so on. They take up water, they stop a lot of these flood events, they hold soil in place, they stop mountains from moving and so on. But you can also crop those trees, because, if you do it properly, you're not clear cropping - what you're doing is selectively cropping species of tree out of an existing forest, and not affecting run-off and soil erosion and so on. We just need to get a lot cleverer about the way that we use our forests so that they stay being forests, but are also a renewable crop for our Welsh timber industry. That would support very many more people off those acres of land than are currently supported.
Welsh: Diolch yn fawr iawn am y sylwadau yna, David Melding. O ran y pwynt ynghylch yswiriant, fe wnes i'r pwynt yn fyr iawn yn y datganiad ein bod ni'n cydweithredu â chyfres o grwpiau diddordeb arbennig ledled y DU, a bod yswirwyr yn un o'r grwpiau hynny, oherwydd mae'n bwysig iawn mewn gwirionedd y gall pobl gael morgeisi a bod y gwarantau yn briodol. Ac mae yna broblem fawr gyda safonau'r Sefydliad Rhyngwladol ar gyfer Safoni (ISO) a'r angen i'w diweddaru ar gyfer dulliau modern o adeiladu. Felly, fe gafodd rhai o safonau'r ISO eu gwneud yn ôl yn y 1970au, pan nad oedd y pethau hyn yn bodoli. Ac, mewn gwirionedd, nid yw'r elfennau carbon-niwtral sydd yn hyn yn cydymffurfio â safonau'r ISO yn aml, am bob math o resymau da iawn. Felly, mae cryn dipyn o waith eto i'w wneud. A dyna pam y bydd strategaeth weithredu i ddilyn a bydd angen inni sicrhau ein bod ni yn y sefyllfa iawn ar gyfer hynny, ac, yn ddigon amlwg, fe fyddem ni'n dymuno i bobl allu gweithio ledled y DU - ac, mewn gwirionedd, ledled Ewrop ac ati - o sylfaen weithgynhyrchu yng Nghymru. Ac felly mae'n bwysig iawn sicrhau ein bod ni'n gosod y safonau sy'n addas ar gyfer y sector. Felly, nid wyf i'n anghytuno â dim o hynny. Rwy'n derbyn y pwynt am y gwaith manwl ynglŷn â chydosod ac adeiladu, ond un o'r pethau a wnaeth fy nharo i pan ymwelais â Hale Construction yn etholaeth Jeremy Miles ddoe - rwyf i wedi ymweld â nifer o'r ffatrïoedd hyn ac mae'r un peth ym mhob un ohonyn nhw - oedd, wrth gwrs, y ceir goruchwyliaeth lawer dwysach ar bob cam o'r adeiladu wrth iddo fynd yn ei flaen. Ac, yn anffodus, rydym wedi gweld, gyda dulliau traddodiadol o adeiladu a'r holl risgiau tân yr ydym ni wedi eu trafod sawl gwaith yn y Siambr hon, nad yw'r oruchwyliaeth honno'n bodoli ar y safle adeiladu traddodiadol - am bob math o resymau da, ond nid yw yno - ac felly, mewn gwirionedd, daeth llawer o namau yn amlwg wedyn, tra bod y broses hon mewn gwirionedd yn tynnu sylw at y namau hynny ar unwaith. Dangoswyd inni ddoe chwistrelliad o inswleiddio i mewn i banel, er enghraifft, ac mae'n amlwg iawn bod gwneud hynny dan do, lle mae'n sych, gan ddefnyddio system chwistrellu, yn golygu ei fod yn mynd i mewn i bob twll a chornel ac yn cael gwared â'r holl aer a phopeth arall, ond nid yw hynny'n wir pan mae'n cael ei wneud â system chwistrellu allan ar y safle. Felly, ceir llawer o fanteision. Ond ceir ambell i anfantais hefyd, siŵr o fod. Y peth arall oedd ei bod hi'n tywallt y glaw bore ddoe, ac roedd - . Roedd y tywydd yn arw ofnadwy, fel y clywsom yn ystod y rhan gyntaf o fusnes y prynhawn yma, ac roedd y ffatri'n gweithredu'n llawn. Roeddwn i wedi mynd heibio sawl safle adeiladu ar y ffordd i'r ymweliad, a gwn fod tai cymdeithasol yn cael eu hadeiladu arnyn nhw, ac roedd pob un ohonyn nhw ar stop, oherwydd bod y tywydd yn drybeilig ac na allai dim ddigwydd yno. Ond roedd y ffatri hon yn gweithredu'n llawn, ac roedd pob aelod staff yno'n gynnes ac yn sych ac yn gwneud ei waith fel arfer. Felly, mewn gwirionedd, nid peth dibwys mo hynny mewn argyfwng hinsawdd ac mewn gwlad fel ein gwlad ni. Dangoswyd inni ddoe hefyd fod rhan helaeth o'r adeiladwaith yn dal dŵr ar unwaith. Felly, hyd yn oed os ydych chi'n ei gydosod ar y safle, mae'n parhau i ddal dŵr - mae'r paneli'n dal dŵr, ac yn y blaen. Felly, ceir llawer o fanteision i wlad fel hon. A'r peth olaf y dymunaf ei groesawu yw eich bod wedi dweud bod cyfle i ddiwydiant coed Cymru, oherwydd credaf fod hwn yn bwynt pwysig o ran y broblem gyda llifogydd a oedd gennym ni'n gynharach. Mae'n amlwg bod angen plannu llawer mwy o goed - coed sy'n amsugno dŵr; mae angen eu plannu nhw ar flaenau dyfrffosydd ac yn y blaen. Maen nhw'n amsugno dŵr, maen nhw'n atal llawer o'r llifogydd hyn, maen nhw'n dal y pridd yn ei le, maen nhw'n atal mynyddoedd rhag symud ac yn y blaen. Ond fe allwch chi gynaeafu'r coed hynny hefyd oherwydd, os ydych chi'n gwneud hyn yn iawn, nid ydych chi'n torri'r cyfan i lawr - yr hyn yr ydych chi'n ei wneud yw dethol rhywogaethau o goed i'w torri o goedwig sy'n bodoli eisoes, heb effeithio ar ddŵr ffo nac erydiad y pridd ac yn y blaen. Y cyfan sydd angen inni ei wneud yw bod yn llawer callach o ran sut y defnyddiwn ein coedwigoedd fel eu bod yn parhau i fod yn goedwigoedd, ond yn gnwd adnewyddadwy hefyd i'n diwydiant coed ni yng Nghymru. Fe fyddai hynny'n gynhaliaeth i lawer mwy o bobl oddi ar yr erwau hynny o dir na'r hyn sy'n digwydd ar hyn o bryd.