4.12 The sub-committee recognised that some older people had different funding streams open to them, which they were accessing instead of the DAF.
4.12 Cydnabu’r Is-bwyllgor fod gan rai pobl hŷn ffrydiau ariannu gwahanol ar gael iddynt, a’u bod yn manteisio ar y rhain yn lle’r Gronfa.