Mr. David Manley:

Barclays bank in the UK has recently announced a green mortgage. It will offer a reduction on a mortgage in cases where a building achieves certain standards. The bank is talking about that as a precursor to introducing a retrofit space model. Not to disparage that but our big focus is on creating a large pool of finance at very low rates of interest. This will mean that people can undertake the work and pay for it either through a pay-as-you-save scheme or a loan remuneration scheme over time where energy savings make a significant contribution to repayment.