Mr. David Hall:

As such, the taxpayer pays the bank instead of paying the approved housing body. The bankers are smiling all the way to the bank again. Utter rubbish. The mortgage-to-rent scheme was a fantastic idea in 2010. It evolved in 2012 and has not been a success since then. It was a great idea. The then Minister for Housing, Planning, Community and Local Government, Deputy Simon Coveney, and his successor, Deputy Eoghan Murphy, fully engaged with it. Deputy Coveney made some changes, and Deputy Murphy has been very helpful to us in relation to it. We are stuck in a massive quagmire. It is very important to note that there are probably 5,000 families eligible for this. The vulture funds, our arch-enemies, are fully-----