Mr. Shane O'Sullivan:

Correct, it is current value. As the economy turns and house prices increase it eliminates more and more people from the proposition. Outside of Dublin the other factors remain. Everyone wants this to work but it is not working at present. It is the only one of our solutions which we do not directly control. We can offer 4,000 split mortgages and almost 3,000 part capital and interest payment arrangements, and we are not slow to do so, but the one proposition we do not directly influence is the one on which we are at zero and I hope this substantiates the factors I am putting forward.