Mr. Brian Hayes:

We were asked to give clarity on the mortgageability issue. We have done that in the statement we issued. However, it is fair to say from what we all heard today, that we await what comes from the NSAI's final issue on this question of the IS 465. It is urgent, I respectfully suggest, from an insurance and banking perspective, and a professional engineering perspective, that we get clarity on this issue because it has a knock-on effect. We raised questions with the insurance industry ourselves. I fully understand that people in the affected county who have their homes remediated will want to know, at some point in the future, that their asset, for whatever reason, can be realised. There is a huge pipeline of different groups. Will a lawyer tell someone who is buying a house to buy one of those houses? What is the legal opinion of the lawyer going to be here? Will there be a market for those houses? These are very difficult questions to resolve. That is why, in the proposal we made last summer around the implementation group, we said we need to have everyone around the table to try to sort this problem out. I am not saying it is going to be a case of trial and error but there has to be an understanding, when we are trying to resolve this, that there are many different players on the pitch dealing with legal conveyancing, engineering, banking and insurance issues. We need to work together on it. That is the point I am making.