Mr. John Coleman:

On the affordability issue, it is a complex question. What is affordable? Can one define affordable? I do not think there is an exact figure that one can deploy. Like the Deputy alluded to, a third of someone's income who is on a low income might be less affordable to them than a third for someone on a high income. That needs to be taken account of but there are no hard and fast rules in terms of what is affordable. I am not aware that the Housing Agency has come out with a percentage of net income, as being a level that is affordable or not.

On the Deputy's point about €47,000, I have not worked out the maths on that. What we are not trying to do with affordable and cost rental is necessarily target social housing and people who qualify for social housing per se. My understanding is that the net income for a family or household in Cork for social housing is somewhere between €37,000 to €42,000. That is the net income. I am not sure what that is gross. We are not targeting people necessarily for the affordable rental piece who qualify for social housing. We are looking for a different cohort of people who are not supported. Having said that, we will deliver significant levels of social housing as well across our schemes. That is not to say that we are forgetting about people who need social housing too.

On the affordability piece and measuring what is affordable, our starting point will be to work out that it is certainly a much better option for people than what is out there already. There is a good argument that, depending on the levels of income that people are at, what we are producing will be affordable. I would caution against asking where we are targeting. Is it for people who qualify for social housing or just above that? I guess it is that kind of middle area.

On the exact percentage of what will be social and affordable on a particular site, we are driven by the Land Development Agency Bill. That will determine what percentage there is on a site-by =-site basis.I could come out with a figure right here now. The fact of the matter is, however, that I have to talk to the Department and the Minister on a site-by-site basis to determine what level of affordable and social housing should be on each site. All of the discussions that we have are about maximising social and affordable delivery on these sites.

The Deputy will understand that I have to wait for the Bill to come through and for those engagements to happen on foot of the Bill in respect of the exact percentage. As to what I would anticipate at St. Kevin's, I anticipate very significant levels of social and affordable housing.