Mr. Frank Curran:

It should be targeted at the individual. Where applicants cannot secure a mortgage for 90% of the market value of the unit, they are into the affordable category, assuming their income is above the social limits. The equity and discount should be based on what individuals can afford to pay. This is a sensible approach. As Mr. Dunne outlined, it is very important for us to provide the affordable units at the best value we can by looking at design, build, approvals, purchase and the serviced sites fund to provide as much value for money as we can.