Cian O'Callaghan (Dublin Bay North, Social Democrats)

I turn to Mr. McDonagh's opening statement and the lifetime surplus from NAMA of €5.2 billion. Does he have a view, from his professional experience of the remit of NAMA over the past 15 years, and now that we are heading into wind-down, of where we are as a country with the housing crisis and issues like affordability? Does he have anything he can draw from those 15 years? If NAMA had been given a different remit or different direction, could we be in a different place with regard to affordability? We have seen, for example, the work that has been done by the Land Development Agency. A lot of people in key roles in the Land Development Agency came from NAMA. Does Mr. McDonagh have a view, from his 15 years’ experience, as to whether we could be somewhere different with regard to housing, affordability and access to it if NAMA had been given a different remit or direction?