Mr. Paul Joyce:

The points the Deputy makes raise the question of how the dots will be joined up in this conversation. Ostensibly, we are discussing the Central Bank's consultation paper, which was issued very recently. It sets out prospective standards that it seems will be introduced early next year. At the same time, there was an announcement yesterday on construction, social housing and so on. It seems a much greater timeframe is needed in which to have a wide-ranging discussion on housing policy in this country. It should include mortgages, social housing, private rented accommodation, etc. Instead of having this discussion, we are now having a conversation about mortgage insurance schemes in the context of people having to raise too high a deposit. It is isolated from the far broader question as to the direction of housing policy.