Mr. Brendan O'Connor:

We proposed 300 solutions. We met recently with one of the housing associations to try to figure out if there is a way to smooth out the process. There are many players involved in the process, including many different agencies, Departments and the banks. The principal issue is the difficulty of getting clarity at the start of the process on whether somebody will qualify. One tends to find out whether that is the case later in the process, when one has travelled some distance. A complex set of rules surrounds the scheme, which is not built for speed, if I may use that phrase.