Mr. Michael Kelleher:

The issue we had regarding apartments is that a number of reports have been done by KPMG, EY and others. The cost of building apartments is prohibitive. That is the problem we are having out in Ballymun. It has to be State funded because the banks will not fund it. If there is some social and some private affordable and you are trying to blend it to get a good community mix, the problem with that is that the banks will not fund it because they are afraid of the risk associated with it. Unfortunately, if apartments are needed and it is decided, there is no other way to do that except to have some State funding attached to it. That is the only way.