Mr. Patrick Sharkey:

Absolutely. What our group is trying to emphasise here today is that, certainly where a mortgage exists on a property, there is a default damage clause caused by the presence of defective material. What we see here, in those scenarios outlined by the Deputy, is that the homeowner is effectively continuing with this default position because the damaged materials still exist in the property. This is a scheme of €2.2 billion-plus, and at an absolute minimum what we should be expecting here in terms of value for money is that, effectively, our homes are restored to full, unambiguous, mortgageable condition and value. When a bank lends money, it has very many controls in place with regard to making sure its security is protected. Effectively, the money is already loaned here, but we need - we are almost acting for our banks here - and we are demanding and fully expect our homes to be fully put back in mortgageable condition again.