Some 12 months ago almost to the night, we had a debate on the abolition of the first-time buyer's grant. Of all the decisions by the Government, that one is particularly mean and cruel. That grant of €3,800 did not represent a great deal of money in terms of house prices, but one has to consider the way young couples, in particular, factored in that grant in terms of building a profile that would allow them to take out a mortgage and ease some of the financial pressure they were under, but the first-time buyer's grant was abolished in one fell swoop. That was disgraceful and there is no defending that decision. There were many other ways of raising required revenue, if that was the intention behind abolishing the grant, apart from that measure which affected young couples who wanted to climb on to the property ladder.