Mr. John-Mark McCafferty:

I will give a couple of the top-level reasons and then ask Ms O'Reilly to elaborate. Obviously, house values are being realised now in a way they were not previously. A lot of landlords were in negative equity from 2008 or 2009 right through until quite recently. I understand there were changes to capital gains tax in recent years, which incentivised certain behaviours, such as landlords selling their properties. Some landlords will cite regulation and others will cite negative experiences of being a landlord. That is a reality for some. There is a whole plethora of experiences given.