Mr. Brendan McDonagh:

That is the issue. I am speaking generally about this, but in terms of what I have seen and the developers that NAMA funded over the years, there are huge silos in different locations. There is no consistency even between local authorities. One guy can get planning in this county and the same guy can go and try to get planning in another county for the exact same type of houses and there would be different conditions attached to those than the ones 20 miles away across the border. A co-ordination role is crucially important. Everybody has to pull together on this to try to solve this.