Mr. Brian Murphy:

Regarding the question about timber cladding, I am afraid I am not familiar with the planning applications and things that went on in Dublin 15 years ago. I can say that timber frame housing is becoming ever more popular. Over 15% of houses in England are now timber frame while the figure in Scotland is over 30%. Most houses in the US and elsewhere in the world are timber frame so there is no reason for any issues with insurance premiums. Timber frame is very safe.