The estimated full year cost of the improvements for which I am providing in section 9 is €8 million. In present circumstances, that is as much as I am prepared to incur in improvements in this area. The abolition of the first-time buyer's grant was debated in the days between the announcement of the abridged Estimates and the budget. I announced the changes in mortgage interest relief incorporated in this Bill on budget day. Senators referred to the first-time buyer's grant, the VAT increase and the increase in stamp duty which applies to sites in certain circumstances. The latter charge is probably more relevant to Senator Higgins's county than to Dublin. Senator McDowell could have guessed some time ago that I intended to abolish the grant. If he re-examines the records of the debates at the Joint Committee on Finance and the Public Service, he will find that I mentioned that it was a total waste of resources.