Dr. Ciaran Byrne:

Yes, we anticipate that. The Central Bank has told us that over the course of Covid there has been a K-shaped economy, in the sense that some parts of the economy have done very well. There are a lot of pent-up savings so a lot of people have the funding to do it themselves but we are acutely aware that a lot of people do not. One of the key priorities of the retrofit plan is that it be equitable and a just transition. Even if somebody has some savings built up, a bit of money may be required for the retrofit and so the low-interest loans will be significant. With regard to the way they are priced, ultimately when the monthly payment is made they should be very close to the cost of a utility bill or lower. People will get a much improved living environment, a warmer home and a healthier place to live and will increase the value of their home for a relatively modest sum.