Mr. Brian Rowntree:

We saw an east-west divide primarily, as one would have expected. We saw a rural and heavy urban divide. I ensured, through the Northern Ireland Housing Executive, that we gave our housing need studies and we laid the data over them. This really gives the capacity in terms of residential property and shows hot spots and hot spot activity. Lenders want to ensure maximisation but also immediacy of return on their spend. Therefore, in many ways they want to locate their spend around hot spots. The data identified these hot spots but they also showed, if one spread it out, where one could displace some of the demand to other areas to give regeneration capacity in other regions. This would have an impact on public transport provision, private sector development, commercial activity, etc. There are also lands which are more difficult, if not impossible, to develop. In commercial terms, in its entirety, one must ask what compensating loss one is prepared to bear on the non-development lands and the premium one would pay for the development portion.