Dr. Keith Walsh:

I want to come in on that matter. The Deputy mentioned the help-to-buy scheme. I have some experience in that regarding which might be of interest because I was involved in the costing of it. As my colleague mentioned, when a new scheme is being introduced, it is difficult to estimate the uptake in the absence of data. For the help-to-buy scheme, Revenue would have looked at our stamp duty data in order to get an idea of how many properties have been built in recent years and the value of same and then tried to make some estimates of how many of those properties within the criteria proposed within the help-to-buy scheme might have qualified and used that past behaviour as a measure to project forward. Even in the absence of detailed forecasts, we can still look at some past behaviour and try to get indicators. The other side of that is that we publish detailed statistics on the help-to-buy scheme on a monthly basis, breaking down the number of applications and claims and the cost of same by value and county. We try to provide as much information as we can after the fact.