Mr. Graham Doyle:

In terms of the loans advanced, particularly around social and affordable housing to local authorities and AHBs, I know that the Housing Finance Agency, like any lender, engages in significant due diligence when advancing those loans. That has been the case. The Deputy referred to a situation in an entity that also acts, on occasion, as an AHB as well as a provider of other services to the public. We have not seen significant issues with defaults or anything like that around local authorities or AHBs.