Mr. Graham Doyle:

Three elements of work are under way within the Department at the moment. There is the capital advance leasing facility, CALF, review, which the Minister has been part of and is essentially happy with at this point. We now need to make a proposal to the Department of Public Expenditure and Reform about changes to the CALF model, which we have worked through and on which we have had stakeholder consultation. The second piece is the unencumbered units and what happens in that regard, which is much of what the Chairman has been talking about. That piece of work is ongoing. The third piece of work is what the Chairman referred to when he spoke about the equity piece, which has been raised by some of the bigger AHBs. We now have to continue a conversation and try to get to a point where we have an approach to this gearing issue. I spoke to representatives of the association and also the alliance that represents the big AHBs last week. This issue of gearing was raised. That is, therefore, another work stream.