Mr. Jim Baneham:

I will speak to the open call under CREL scheme. Mr. O'Leary mentioned social housing and that a good proportion of the lending to AHBs is in situations where they buy a site and then engage a contractor to deliver a scheme. For some of those schemes, the developer had achieved planning permission so the AHBs are buying a package. That has not been possible to date with CREL because of the timescales. That type of arrangement, where they have more control over saying-----