Ms Martina Hegarty:

In relation to the €18,000, it is associated with rebuilding your house. It has nothing to do with the actual testing, which was €7,000, at the start. In relation to getting the scheme up and running and trying to get people moving, the only people who can move forward now are those with additional finance available and are in the position to put themselves into debt and those who will dip into their savings. They are the only people able to move forward; nobody else can. Everybody else is time-bound. The big concern in relation to the new scheme, from a homeowner's perspective, is the constant knee-jerk reaction of, we cannot approve you, so we will reject you. There is nothing about sitting down, looking at your documents and seeing how we can help and support you. This scheme is built to say no and then you can appeal. How can a scheme grow and evolve when the door is constantly shut on homeowners?