Mr. Michael Manley:

I will take the first part relating to cost. Yes, the numbers are large. It could be up to €40,000 or €50,000. I bought my house for less than that when I bought it many years ago. It is a very large sum of money. That is why we are looking so hard at the long-term financing option and delivering that at a very low cost of interest over a long-term period in order that things can happen. The simple reality is that dealing with climate change is not free. If it was, we would have done it before. We must make changes now. We would not have used petrol or diesel if it had always been cheaper to do other things. An enormous amount of effort is being made to look at the low-cost financing option and finding ways of reducing the cost of delivery. We are thinking about an area-based approach with aggregation across schemes.

In terms of standards, I remind members that it is the cost-optimal level of performance so it is not an absolute level of performance. It is what works in a particular building. There is a formula of work for that over a 30-year period. Perhaps Mr. Gannon or some other witnesses could answer the question about technical issues relating to fire hazards.