Mr. Paul Lemass:

On the regulatory impact on lives, we are convinced that having regulation has helped thus far on a voluntary basis and will continue to help on a statutory basis. It will enhance the sector's profile and its attractiveness for investment. It will be a positive step overall. When one looks abroad and sees the scale of AHB involvement in the housing agenda, it can only be a good thing to have statutory regulation.

The amount of flexibility is very much scheme dependent, as well as on how much funding comes through Government sources. If one raises funding privately, that gives one different options too. The Senator referred to specific medicals. That is covered in the previous comment.

In the context of data protection, local authorities and AHBs are subject to data protection like everybody else. That is just the environment in which we work now.