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mae pawb wedi cytuno ar yr egwyddor y dylai cydymddibyniaeth a rhannu risgiau berthyn i gynlluniau pensiwn
everyone is signed up to the principle that mutuality and risk sharing must apply to pension schemes
dywedant fod gwelliannau gwirioneddol wedi bod yn y gwasanaethau craidd hollbwysig a bod ymagweddau arloesol tuag at gymryd risgiau yn amlwg
they say that there have been tangible improvements in core , high-impact services and that innovative risk-taking approaches are apparent
cymerwyd rhai risgiau ac mae hynny'n angenrheidiol mewn rhaglen fel hon , os ydym am gael unrhyw fudd ohoni
some risks have been taken and that is necessary in a programme like this , if it is to be of any use