Mr. Cormac O'Rourke:

I would be delighted to hear more about that. We are on the same page with regard to how the State interacts with us and manages things like amortisation. I was very interested to read the Housing Agency's report on cost rental in other cities and even in places as sophisticated as Helsinki. In those cases, the loans are not fully amortised when things like life cycle renewal costs begin to kick in and even these other countries have not actually managed to figure out how to integrate those into the cost rental model. It is an issue and I recognise the complexity of it. As the Deputy correctly identified, I have been involved in financial engineering for a long time, particularly in the area of infrastructure. We will certainly take this back to the Government. I hear what the Deputy is saying about affordability. That point has been made by a number of committee members today. We will bear in mind when discussing this matter with the Government that there is no point in delivering a product that nobody is going to take up. That is not in anyone's interest. As a touchstone it is a useful way for us to engage with the system.