English: Thank you, Deputy Presiding Officer. I think I'm just down to one point now, Minister, seeing as all the others have been covered. In fact, one on the VAT gap has been asked by about half a dozen Members in different ways. So, I'll skip that one and I'll go straight to my point, which is on the business insurance. Now, thank you for writing to me about that just recently, because I understand you're now going to be meeting with the insurance industry to talk to them about that. And while I fully appreciate that regulation of the insurance industry isn't devolved, I'm sure I can't be alone in having businesses contact me about the attitude being taken by insurers, causing significant stress to a number of individuals, who thought they had cover - in fact, even their own brokers thought that they had cover, but the insurance companies themselves seem to be taking a different view. It seems to be particularly prevalent in the hospitality sector, but it's not exclusively in that sector. And if I can just give two very brief examples: one is a business interruption clause in the policy, but it then requires a letter from Government to say that the business has to close to make that condition valid. How in reality is Government in a position to provide such letters to every company in that situation, I'm not sure. And another example was where a social club had insurance to say that, if they had to close due to contagious disease, then they are covered, only to find that that clause doesn't mean a pandemic. So, therefore, they're not covered. Can you confirm to us the best ways in which we might be able to help in terms of bringing issues to your attention that might assist you in discussions with the UK Government and the insurance industry to ensure that insurance companies are not wriggling their way out of responsibilities and leaving all of the onus on Government to help these companies that have paid into insurance policies for many, many years?
Welsh: Diolch yn fawr, Ddirprwy Lywydd. Rwy'n credu fy mod i lawr i un pwynt nawr, Weinidog, gan fod y gweddill i gyd wedi cael eu hateb. A dweud y gwir, mae tua hanner dwsin o Aelodau wedi gofyn cwestiwn am y bwlch TAW mewn gwahanol ffyrdd. Felly, fe wnaf basio heibio i hwnnw a mynd yn syth at fy mhwynt ar yswiriant busnes. Nawr, diolch i chi am ysgrifennu ataf am hynny yn ddiweddar, oherwydd rwy'n deall eich bod yn mynd i gyfarfod â'r diwydiant yswiriant yn awr i drafod hynny gyda hwy. Ac er fy mod yn deall yn iawn nad yw rheoleiddio'r diwydiant yswiriant yn fater wedi'i ddatganoli, rwy'n siŵr nad fi'n unig sy'n cael busnesau'n cysylltu â mi ynglŷn ag agwedd cwmnïau yswiriant, sy'n achosi straen sylweddol i nifer o unigolion a gredai fod ganddynt sicrwydd yswiriant - mewn gwirionedd, roedd hyd yn oed eu broceriaid eu hunain yn credu bod ganddynt sicrwydd yswiriant, ond mae'n ymddangos bod y cwmnïau yswiriant eu hunain yn gweld pethau'n wahanol. Mae hyn i'w weld yn arbennig o amlwg yn y sector lletygarwch, ond nid yn y sector hwnnw'n unig. Ac os caf roi dwy enghraifft fer iawn: un yw cymal tarfu ar fusnes yn y polisi, ond mae'n galw am lythyr gan y Llywodraeth wedyn i ddweud bod yn rhaid i'r busnes gau er mwyn gwneud yr amod hwnnw'n ddilys. Sut mewn gwirionedd y mae Llywodraeth mewn sefyllfa i ddarparu llythyrau o'r fath i bob cwmni yn y sefyllfa honno, nid wyf yn siŵr. Ac enghraifft arall oedd lle roedd gan glwb cymdeithasol yswiriant i ddweud, os oedd yn rhaid iddynt gau oherwydd clefyd heintus, fod ganddynt sicrwydd yswiriant, ddim ond i ganfod nad yw'r cymal hwnnw'n golygu pandemig. Felly, nid oes ganddynt sicrwydd yswiriant. A allwch gadarnhau i ni beth yw'r ffyrdd gorau y gallem helpu i ddwyn materion i'ch sylw a allai eich cynorthwyo mewn trafodaethau gyda Llywodraeth y DU a'r diwydiant yswiriant i sicrhau nad yw cwmnïau yswiriant yn dod o hyd i ffordd o osgoi cyfrifoldeb a gadael y baich i gyd ar ysgwyddau'r Llywodraeth er mwyn helpu'r cwmnïau hyn sydd wedi talu arian i bolisïau yswiriant ers blynyddoedd lawer?