Dr. Gabriel Brennan:

With regard to the Chairman's question, the charge included in the original model by the Law Reform Commission envisaged inclusion of all stakeholders, including solicitors, estate agents, surveyors, lenders, the Land Registry, local authorities, the courts, the Revenue Commissioners and so on. One must start somewhere so the decision has been taken to start with the elements that will have most immediate benefits to the consumer. That will involve solicitors, lenders and the PRA. It is proposed to broaden the system to other stakeholders.