Mr. Justin O'Brien:

With regard to Deputy Daly's comments, there will be a process of amalgamation among smaller or larger housing associations in the next number of years, some of which will be determined on a financial basis. Our key performance indicators are very much advanced with regard to those used generally by the local authority sector. We are dedicated housing providers. We provide housing. Some of our performance measurement is very positive and we believe we can give added value and complement what local authorities do.