Jim Daly (Cork South West, Fine Gael)
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I am nearly finished. I am on to the last scheme, the mortgage interest relief scheme. There is a school of thought that it is a bail-out for the banks because we are providing €42 million directly to them. How much has this been reduced by since the new eligibility criteria? I refer to the fact that the house can now be for sale.

Has that made a stark difference or has it made a major contribution to the reduction in the numbers? I know that many people have gone through the MART process, which has also made a significant difference.

Are there plans ---