Mr. Sam McGuinness:

I shall be as quick as I can. I agree with everything that Mr. Allen has said about intervention. Early intervention is critical because it can save time and money and keep people in their homes.

With regard to the agency piece, there are too many of us desperately searching for rental accommodation. An agency would be much more effective. I do not mind if Savills or some other commercial body does the work because it can give example.

The big ticket for me is to somehow push back on the State and Government in terms of believing in themselves, believing in what they have done, and believing in the future and having hope. We need to invest in people. It is not as if there are no funds in certain coffers to be availed of. On the one hand we have the current expenditure, but that is being nailed. On the other hand, we must have development money. There is development money to get new industry and business and spread the food industry. Where is the money for developing homes? Housing is a real issue. I am sure that we have a number of billions of euro in the NTMA or as part of the pension fund. Half a billion of that money could be taken out as was done in Finland. When Finland had a housing crisis they said: "Okay, this is how we use it." If that money was given to the Minister of State responsible for housing it would remove an awful lot of pressure on her. Plus, we would all be delighted to work around her and help her spend the money.