Mr. Bernard Byrne:

We are actively engaged with all stakeholders in terms of positioning and what we are trying to do. The housing report referred to by the Senator is another piece in moving that forward. As Mr. O'Keeffe mentioned, we are engaged with housing bodies and various departments on individual and specific matters. Our role, ultimately, is as a provider of finance into part of this. We are not somebody with the very broadest view in respect of all elements associated with the housing piece. We are happy to participate in any aspect of it but we do not see ourselves as the source of wisdom in respect of all of it.