We need to address those issues, and coupled with the current cost of living crisis, we know that times are already hard and are likely to get worse before they get better.
Mae angen i ni fynd i'r afael â'r materion hynny, ac ynghyd â'r argyfwng costau byw presennol, gwyddom fod yr amseroedd eisoes yn anodd a'u bod yn debygol o waethygu cyn iddynt wella.