Ms ?ine Stapleton:

I will come in on that. There are a number of aspects to it. The nature of the process itself has a number of stages to it, so it is inevitable that the payments will ramp up as we work through the stages of the process and the construction work gets under way. We are also engaging with the homeowners and looking at some of the issues around implementation that are of concern to them. At our meeting of the subgroup at the end of April, we discussed the flexibility within the scheme to have more upfront payments to cover upfront costs such as professional fees. It is hoped some of that will give a little bit more discretion to homeowners in respect of their ability to manage some of those upfront costs.