Mr. Des Carville:

The Deputy may not be aware that I sit on the board of Home Building Finance Ireland. I was the interim chair when it was set up. Some 43% of the homes funded were owner-occupier homes. If the momentum fund is excluded, it can be looked at in the round. The momentum fund, as the Deputy will probably recall from what Ms Deering said, is now closed for business. It was closed at the end of last year. There was a particular reason for bringing that into the product offering. The idea behind Home Building Finance Ireland is that where there are market gaps, we are meant to be agile and flexible and bring in products that are useful. When they are no longer useful and no longer needed, the products are removed from our product suite.