Mr. Roger Harrington:

I am not aware what specific scheme the AHBs Deputy Munster may have been talking to are referring to. With the one I have responsibility for in CALF, we turn around, with the assistance of the Housing Agency, all applications within a maximum of six weeks. Indeed, the majority of our applications are turned around within four weeks. On occasion, where we have to react to urgent applications from the AHB sector that are moving to meet the credit committee deadlines of the Housing Finance Agency, we turn them around in 24 hours. I do not know if there is any further comment the Housing Agency might want to make, but certainly it is a pretty speedy process in terms of the CALF application process.