Mr. Brian Hayes:

This question has come up in the group. All the bank representatives attending the working group when that question was raised made a very clear point: if the certification at the end of the process states the work is up to the current standard, there is no reason the house cannot be sold in the future and a mortgage obtained against that security. We go on the basis of certification, as I understand it. All the representatives of the three banks at the meeting I was at involving the banking and insurance group on mica made that clear. Let us not forget that 15% of the total amount is kept until the end because we wait for the certification under the new scheme. From our perspective, the property is marketable again and can be sold again. The number one objective is to get people back in their homes, irrespective of whether they want to sell them in the future.