Cormac Devlin (Dún Laoghaire, Fianna Fail)
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I applaud the Governor's efforts. Hopefully, they will continue. I thank Mr. Makhlouf for that because, as he states, it is a real issue facing many businesses. It has come to the surface more as they start to reopen and go back into operation.

The Governor outlined two scenarios: a return to growth and that of a more pessimistic view. What is the Governor's view about the impact of both on the housing market here for the foreseeable future?