Chairman:

Would there be any impact in terms of having a low-interest loan because Marie Donnelly was here talking about the State not being able to do it all and that private individuals will have to find ways of retrofitting their own homes? For example, a credit union could offer a low-interest loan. Has Mr. Moran an opinion on how that might affect the State's books as opposed to an income tax credit? Is there any preference from his point of view?