I beg the Chair's indulgence to briefly mention the housing market, a matter to which Senators O'Toole and Higgins and the Minister also referred. I have become extremely cynical about what we are told by so-called experts and those involved in the housing market. In December 2001, the Minister responded to representations from the CIF and others that the apartment market in Dublin was collapsing and that nobody was building apartments. There was some evidence in terms of permissions granted, etc., that this was the case. However, it is now crystal clear that –in so far as there was a shortage at that time – it was a manufactured shortage and the position was quickly reversed.