I would appreciate if the Cathaoirleach gave me extra time. Against the advice of all of the experts, the Minister has persisted in going forward with the shared equity portion of the Bill. The evaluation of an equivalent scheme by the UK's Department with responsibility for housing was that 60% of the beneficiaries could have bought a property without the scheme. Furthermore, it stated the scheme contributed towards developers building bigger houses and increasing profits. The report of the London School of Econom…