Mr. Jim Baneham:

To a large degree, it is up to the homeowner and what happens to the homeowner. If the homeowner died ten years after getting into the arrangement, then the equity would be repaid. If the homeowner wants to live there without paying anything off the equity and lives to 95 or whatever, that is up to them. It does not come back until that time. They can make partial payment, if they wish. The funds that come back in are ring-fenced for use for affordable housing.