 Fy enal mai y gallwch i gael i gaelu i'r adrwm ar y gyfodolion o wob yn y dystiadol hynny. Fydda'r gayael yn ystyried i'r adrwm yn arwain wedi gynnig o bwysig o gwbl sy'n bwysig i'r adrwm beth beth sy'n busw ydyn ni'n mynd i'r adrwm allanon. Y patienttym yn ystyried i'r adrwm bwysig i'r adrwm yn ystyried i'r cyfyddiadau oherwydd mae'n cael ei ddweud, dwi'n credu'r cael ei ddweud i bobl mwyaf, ac yn cael ei wneud yn gwybwy. a gweld yn y gallu cyfnod o fenombol yn y system munitariol o helpu i bwysig sydd такимu iawn, o helpu i bwysig hwnnw, ac i ffoster cyfnod mai'r ffynall sydd. Mi'n fel Camian Mwg-Dolha. Rydw i am ym mwynhau yw ym mynwysydd am yterm. Rydw i'n bod efo'r sânwch i'r cyfeirwyr ar y ffermdd o'r system munitariol yn y Ucain. I'm Monica Tanarska. I ran several companies, but I have been supporting positive manifold for a couple of years I think now. I think it's more in terms of small businesses. I don't feel that the banks are supporting small businesses from a financial point of view in a way that I would like to see it. So the money is not really filtering down to help us to create a business, create more work, more jobs for people etc. So I think that's something that could be done a lot better. I do believe that it is impossible to understand why the 2008 crisis occurred and even more why the recovery from that crisis has been so extraordinarily difficult and slow without addressing those fundamental issues about the nature of debt, the nature of credit, the nature of money and where purchasing power comes from which positive money have encouraged us to think about. Could you put up your hand if you think there is some risk of a some kind of financial crisis potentially happening again in the coming years? Almost unanimous. And could you put up your hand if you think we should start considering new innovations in monetary policy? And that in turn created an environment, the environment in which we've been living for the last seven years in which that pile of debt doesn't really go away. It just shifts around the economy. I think we need to be aware that it isn't just interest rates. The way it does exactly right is that we need to be aware much more about what's going on in the economy than just looking at inflation. And if it's roughly two seg everything's fine, we do need to be more aware because we know it blew up in our face in the crisis. We don't have the structures and markets of finance system that support true enterprise. Too often it supports and enables people to collect economic rent to just appropriate the wealth of others. The finance system has become very much like that and the money system lies at the heart of the financial system. And so if we really want to have a pro-enterprise economy where people can achieve great creative new enterprises, we need to look at the money system and how it can best enable that endeavour. We need not just to change our monetary system, we need to change our mentality about our monetary system. So I think in that sense the commission is a good idea. We're calling for a money commission to be set up by the UK's Treasury to establish whether the money and credit system is effectively serving the public interest. The UK hasn't actually examined how the money and credit system works or maybe some of the problems with it since the 1930s.