It is time to reflect on housing policy. Section 23 tax breaks will be phased out within the year. The original idea behind them was to regenerate areas but they have been taken over by investors who have driven the first time buyer out of the market. That person is then forced to rent the house, which he or she cannot afford, so he or she goes to the health board for a rent subsidy, beginning a vicious cycle. We must take on some of the points made by the ESRI about the property market and I look forward to examining this area in depth when the full report is published.