Mr. Pat Farrell:

Yes, the issue is that Housing for All has certain projections and targets moving up towards 33,000 units. We have a figure for the year just gone by. What we need is momentum over the next number of years. There is a structural issue with the pipeline at the moment in that approximately 60% to 70% of that is apartments. We all know about the viability issues with apartments. Unless there is an intervention via Croí Cónaithe and Project Tosaigh to address the viability issue, we will then have an issue with the supply of units and the momentum that is needed in Housing for All over the next couple of years. Mr. Kelleher has called it out. There is need for the interventions around Croí Cónaithe and Project Tosaigh to be more front-ended rather than back-ended because at the summit we were at, and there was a representative there from the banking sector, it was said on the day that the way there are designed at the moment and because of the way they are currently structured, it is very difficult to get a banking institution to fund that development . There needs to be an improvement.