Mr. Brian Rowntree:

We got our P45s and were told we were no longer required. It is frustrating more than disappointing because there is potential to provide a dividend in society. Perhaps this is outside the terms of the committee, but when I look at the housing issue in Ireland and the housing issue in Northern Ireland, I ask what do we have. Do we have a testament to success or do we have something which was a financial solution that fitted in a moment in time, that is, it fitted an approach from another source? I think there is a balance to be achieved between maximising value and also getting some dividend in society. The two were not as well balanced as they should have been. However, that is said in hindsight and everyone is great in hindsight. I certainly believe the conditions which NAMA created and the opportunity it created were not exploited to the full.