English: I thank Jenny for bringing this important subject to our attention this afternoon. We have a very clear approach, I think, from the left side of politics and you make some interesting and powerful points. I agree with you on a couple of issues. The housing market is, in areas, certainly dysfunctional and there are a number of reasons for that. We have this phenomenon of generation rent, where people who formerly would've bought their own homes now have to rent. They have relatively high incomes, many of these people, but they do not have the capital to make a purchase or put a deposit down, and I think they need security of tenure as much as what you call fair and controlled rents. What I think we should have is a comprehensive review of housing policy and how it relates to the new demands we have. We are facing a shortage of supply; I think we all agree with that. I think we do need some more models. The Dutch example is an interesting one; it's capturing more people than we would capture in terms of what social housing here is deemed to be for, and there are ways of doing that through housing associations, possibly, or new ways in terms of co-operatives being formed, which is also a model favoured in many continental countries. I think we need all these approaches, and, when we eventually get out of the financial crisis, I do hope that this phenomenon of people chasing the high returns you can get by investing in housing does stop, because I do agree with you - housing is beyond the normal economic good. It's much more fundamental. It's much more like health in that respect. So, there are issues here. I don't agree with everything you've said this afternoon, but you might be surprised by how much I do agree with.
Welsh: Diolch i Jenny am dynnu ein sylw at y pwnc pwysig hwn y prynhawn yma. Mae gennym ymagwedd glir iawn, rwy'n credu, o ochr chwith gwleidyddiaeth ac rydych yn gwneud rhai pwyntiau diddorol a phwerus. Rwy'n cytuno â chi ar rai materion. Mewn rhai mannau, mae'r farchnad dai yn sicr yn gamweithredol a cheir nifer o resymau am hynny. Mae gennym y ffenomen hon o genhedlaeth rent, lle mae pobl a fyddai wedi prynu eu cartrefi eu hunain o'r blaen bellach yn gorfod rhentu. Mae gan lawer o'r bobl hyn incwm cymharol uchel ond nid oes ganddynt gyfalaf i brynu neu ddarparu blaendal, a chredaf fod angen sicrwydd deiliadaeth arnynt yn gymaint â'r hyn a alwch yn rhenti teg ac wedi'u rheoli. Credaf y dylem gael adolygiad cynhwysfawr o'r polisi tai a sut y mae'n berthnasol i'r galwadau newydd sydd gennym. Rydym yn wynebu prinder o ran cyflenwad; credaf fod pob un ohonom yn cytuno â hynny. Credaf fod angen rhagor o fodelau arnom. Mae enghraifft yr Iseldiroedd yn ddiddorol; mae'n dal mwy o bobl nag y byddem ni yn eu dal o ran yr hyn y pennir yw diben tai cymdeithasol, ac mae ffyrdd o wneud hynny drwy gymdeithasau tai, o bosibl, neu ffyrdd newydd o ffurfio cwmnïau cydweithredol, sydd hefyd yn fodel a ffafrir mewn llawer o wledydd ar y cyfandir. Credaf fod arnom angen y dulliau gweithredu hyn, a phan ddown allan o'r argyfwng ariannol yn y pen draw, rwy'n gobeithio y bydd y ffenomen hon o bobl yn mynd ar drywydd yr elw uchel y gallwch ei gael drwy fuddsoddi mewn tai yn dod i ben, oherwydd rwy'n cytuno â chi - mae tai y tu hwnt i fod yn nwydd economaidd arferol. Mae'n llawer mwy sylfaenol. Mae'n llawer tebycach i iechyd yn hynny o beth. Felly, mae yna bethau'n codi yma. Nid wyf yn cytuno â phopeth rydych wedi'i ddweud y prynhawn yma, ond efallai y byddech yn synnu cymaint ohono rwy'n cytuno ag ef.