Ms Rosalind Carroll:

That element of the Act has not been commenced, but I understand from speaking with officials in the Department that it will be commenced fairly quickly. We have done a pilot in one local authority in Kerry to see how it would work, so I imagine it will come on line fairly quickly. In terms of finance from sources other than the Housing Finance Agency, most of the Irish commercial banks are lending to the sector. Almost all of them have lent at some point and some are expanding their business into that area. We also have had some non-Irish banks enter the market and come to us seeking information. We have also had engagement with the European Investment Bank on that front. I hope that answers most of the questions.