Mr. Dermot Byrne:

The one-stop-shop model has a number of dimensions, one of which is finance while another is the supply chain. Finance is a critical element of it. We are doing work in this area. We are trying to work with the different finance houses to come up with offerings that are at the right level for people and are affordable. An Post has moved into this space, which is great. I know credit unions are also active in it. The credit union movement is such a fantastic community-based movement throughout the country. A lot of these organisations have a lot of cash because of savings that have built up over the years so it should be possible. Of course, interest rates are so low at the moment that we should be able to pass some of that competitiveness in interest rates directly to consumers to help them on the journey towards deep retrofits. It is an expensive item. SEAI is there to support them in terms of grants so significant grant funding is available but leveraging that with affordable finance is the key thing.