Ms Tina Donaghy:

It comes down to risk as well. We are looking at asking local authorities or approved housing bodies to speculate as well. Do not get me wrong because they and we want to get involved in that space and provide affordable housing for rent and purchase. It is that whole risk element as well. There is a big push for the new model at this time but these are the worst conditions we could have had over the past ten or 15 years.