Mr. Jim Baneham:

I will start it anyway. In terms of the schemes that have come through for affordable housing funding that have been approved, there are approximately 150 homes involved between the three of them. We were closely involved with the contractual relationship that was drawn up, and we instructed the decision on it. The Acting Chairman is correct in that we started off with a low-risk position regarding the council to try to minimise risk. There has been further engagement with the developer since then and there is a moving closer together, let us say, in terms of where we can get to. It is not written in stone, so there will be some flexibility in terms of the contractual relationship.

I do not know where they are getting their funding from. HBFI would be in the space of lending to developers. I do not think Mr. O'Leary's organisation is in that space.