In recent years a range of better targeted schemes, to assist low income purchasers and those with social housing needs, have been put in place. I am delighted the Minister of State has defended this and outlined clearly that this is a better way forward. Between 1998 and 2001 the provision of social and affordable housing has grown by 35% to 11,385 units and a further increase of almost 13,000 units is forecast for 2002. It is clear there was an overlap in the system. On the one hand, we still had the first-time buyer's grant while, on the other, the real area of disadvantage was being catered for. As the Minister of State indicated, the money that will now be saved in this regard will be available to assist in the provision of social and affordable housing. This will assist those mentioned by Senator O'Meara to get on the ladder for the first time.