Grenfell Tower Inquiry: Phase 1 Report

Kevin Hollinrake Excerpts
Tuesday 21st January 2020

(4 years, 3 months ago)

Commons Chamber
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Robert Jenrick Portrait Robert Jenrick
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The question at the heart of my hon. Friend’s remarks is what the judge will determine in the second phase of the inquiry. What went wrong that led to that cladding being on Grenfell Tower? Was it a failure of Government or of regulation of the construction industry, or a combination of those things? I do not think we can prejudge what the judge will determine over the course of the detailed second phase of the inquiry that is about to commence.

Kevin Hollinrake Portrait Kevin Hollinrake (Thirsk and Malton) (Con)
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I have followed these matters over the past couple of years, and in my experience the Secretary of State has done more to try to resolve these problems than any of his predecessors, all of whom tried to tackle a thorny issue. He is right to say that ACM is probably the most dangerous cladding, and we should deal with that first. Advice Note 14 does not deal with ACM, but it does effectively say that other combustible materials should not be on the outside of high rise buildings. The official guidance was more equivocal than that, which leaves long leaseholders in a difficult situation with unsaleable properties—I draw the House’s attention to my entry in the Register of Members’ Financial Interests in that regard. We must consider this issue. Yesterday the Secretary of State said that he would look at doing more, and we will need to.

Robert Jenrick Portrait Robert Jenrick
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I pay tribute to my hon. Friend who is a long-standing campaigner on this issue. Next month we will publish the final result of the testing process that my Department has been undertaking over many months with the Building Research Establishment. That will lay out for all to see evidence that I have already seen about the safety, or otherwise, of a range of different materials. I believe it will demonstrate that ACM is by far the most concerning material and should come off buildings as quickly as possible.

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John Healey Portrait John Healey (Wentworth and Dearne) (Lab)
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This is a grave and important debate. I welcome the Government time for it, but I regret that the Prime Minister is not here to lead it. The public inquiry into Grenfell reports to him; it is the Prime Minister’s responsibility. A national disaster on the scale of the dreadful Grenfell tower fire demands a national response, on a similar scale. That has not happened, and that too is the Prime Minister’s responsibility.

More than two and a half years since that dreadful fire, the widespread grief and disbelief in the immediate aftermath that something so dreadful could happen in 21st-century Britain has become an increasingly widespread frustration. There is, as the Secretary of State said, still a huge amount to do. I never thought I would be standing here, two and a half years after that Grenfell tower fire, facing a Secretary of State who is still unable to say all the steps have been taken so that we can, as a House of Commons, as a Government, say to the country, “A fire like Grenfell can never happen again.” The fact that he cannot say that—the fact that there is still so much to do before we can all say that—shows the extent of the Government’s failure on all fronts since that fateful fire on 14 June 2017.

There have, regrettably, been other major residential fires since then—mercifully, without casualties—in Manchester, in Crewe, in Barking, in Bolton. It was clear to me, speaking to the students who were in that fire in Bolton, days after it happened, that had it not been for their quick thinking that early Friday evening, there would have been casualties in that fire, too.

Sir Martin Moore-Bick and his inquiry staff have done a huge amount of work on the first phase of the inquiry; on behalf of the Labour party, I pay tribute to that. Despite our reservations about the inquiry, we recognise that the inquiry is on an almost unprecedented scale. The phase 1 report—the subject of this afternoon’s debate—was 1,000 pages long. It was based on 123 days of hearings, evidence from more than 140 witnesses, half a million documents and nearly 600 core participants. However, Sir Martin Moore-Bick and his team simply could not have produced such a thorough and thoughtful report without the testimony of the Grenfell families and survivors. So, most of all today I pay tribute to the Grenfell survivors, to the families of the victims, to the community of North Kensington, who have conducted themselves with such dignity during this very painful inquiry. I say to them: you have suffered almost unimaginable trauma and loss, but we thank you for having the courage to share this, and the resolve to turn your grief into a fight for justice and for change. It is they who should be at the forefront of our thoughts and of our debate this afternoon.

I also pay tribute, as Sir Martin Moore-Bick does, to the courage of individual firefighters and emergency services on the night. They really did put their lives at risk in many ways—often breaking the operating procedures they were meant to follow—in order to help get people out and save lives that night. I, like the Secretary of State, am glad that the London fire and rescue service has not just accepted all the recommendations in full, but already begun to implement them.

I want to take the House back to the immediate aftermath of the fire, more than two and a half years ago, and to three big promises made by the then Prime Minister, the right hon. Member for Maidenhead (Mrs May), on behalf of the Conservative Government. First, on rehousing and support for the survivors, she said, as Prime Minister, the week after the fire:

“All those who have lost their homes…will be offered rehousing within three weeks.”—[Official Report, 22 June 2017; Vol. 626, c. 167.]

Ministers had to pull back from that initial promise, and they then said everybody would be rehoused within a year.

Thirty-one months on from the fire, as the Secretary of State has confirmed this afternoon, and notwithstanding individual circumstances, survivors of the fire have still not all been found adequate, permanent housing. Some of those families spent Christmas in temporary accommodation or in hotels. It is no good the Minister for Crime, Policing and the Fire Service—a former housing Minister—or the Secretary of State for Housing, Communities and Local Government shaking their head. I acknowledge the individual circumstances, we all do, but they have had four reports from the Grenfell recovery taskforce, each and every one taking the Borough of Kensington and Chelsea to task for not doing enough at enough speed to rehouse and help those families.

Secondly, on justice, the present Prime Minister said in the debate at the end of October that

“we owe it to the people of Grenfell Tower to explain, once and for all and beyond doubt, exactly why the tragedy unfolded as it did”.—[Official Report, 30 October 2019; Vol. 667, c. 378.]

The Grenfell survivors do, indeed, want answers, but they also want justice. They want change and they want those responsible to be held to account and, where justified, prosecuted. They are right to expect that, and they have been promised it, but it still seems so far off.

Ahead of the setting up of the public inquiry, the then Prime Minister promised

“to provide justice for the victims and their families who suffered so terribly.”

And she rightly said on behalf of the Government:

“I am clear that we cannot wait for ages to learn the immediate lessons”.—[Official Report, 22 June 2017; Vol. 626, c. 168.]

That public inquiry, initially expected to report at Easter 2018, did not in fact report until 18 months later, in autumn 2019. It has been phased into two reports, which means we have only a partial, incomplete judgment, and we still have not got to the bottom of what went dreadfully wrong and why.

I have to say to the Secretary of State and the Government that these problems have been compounded by recent thoughtless decision making by the Prime Minister. Just before Christmas he picked a new panellist for the inquiry who in her previous post, we are told, accepted funding after the fire from the charitable arm of the company responsible for manufacturing the insulation on the outside of Grenfell Tower.

Yesterday, the Secretary of State said:

“I know the Prime Minister is aware of the issues”.—[Official Report, 20 January 2020; Vol. 670, c. 33.]

He must do better than that. The Grenfell inquiry must command the confidence of those most affected by the fire. The vice-chair of Grenfell United has said in the last week:

“How can she sit next to Sir Martin Moore-Bick when Arconic will be on the stand and is one of the organisations we need answers from in terms of what caused the deaths of our loved ones?”

The Prime Minister should apologise and reverse the decision to appoint Benita Mehra.

Thirdly, on cladding and the safety of other tower blocks, the then Prime Minister, again on behalf of the Government, promised directly after the fire:

“Landlords have a legal obligation to provide safe buildings… We cannot and will not ask people to live in unsafe homes.”—[Official Report, 22 June 2017; Vol. 626, c. 169.]

Yet thousands of people continue to live in unsafe homes, condemned to do so by this Government’s failure on all fronts since Grenfell. Why? Why, two and a half years later, are 315 high-rise blocks still cloaked in the same Grenfell-style cladding? Why do 76 of these block owners still not have a plan in place to remove and replace that cladding? Why have 91 social block owners still not replaced their ACM cladding when the Secretary of State said it would be done by the end of last year? Why have the Government not completed and published full fire safety tests on other unsafe but non-ACM types of cladding? And why has no legislation to overhaul the building safety rules been published, let alone implemented, more than 20 months after the Government’s own Hackitt review was completed and accepted in full by Ministers?

After pressure from this side, the Secretary of State did set deadlines for all Grenfell-style ACM cladding to be removed and replaced: he set the deadline of the end of December 2019 for social sector blocks and of June 2020 for all private sector blocks. He has missed the deadline for social sector blocks and, if the current rate does not change, it will take a further three years for them all to be done. He is also set to miss the June 2020 deadline and, if the current rate does not improve, it could take 10 years to complete the work on those blocks. He said a moment ago that Grenfell families want “answers”, “accountability” and “action”, but at every stage since Grenfell Ministers have failed to grasp the scale of the problems and the scale of the Government action required. At every stage, the action taken has been too slow and too weak.

Kevin Hollinrake Portrait Kevin Hollinrake
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The right hon. Gentleman talks about action and about the guidance. Surely he must welcome the Government’s action in banning combustible materials in external surfaces, which his Government had the opportunity to do during their tenure but did not do?

John Healey Portrait John Healey
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I do indeed welcome the ban, which we argued for for some time. It was something the Hackitt report did not recommend, but Ministers wisely decided that they would not follow that recommendation. It is a no-brainer that we should not be putting combustible cladding on the sides of buildings in that way.

I welcome some of the action that has been taken. I know that the Secretary of State is approaching this with a serious intent. He did indeed announce what he calls “more measures” yesterday and he said he is

“minded to lower the height threshold for sprinkler requirements in new buildings”—[Official Report, 20 January 2020; Vol. 670, c. 23.]

But this is for new build only. He is considering, with the Treasury, whether leaseholders will get any funding help, and he is having yet another consultation exactly on that issue of flammable material. I say to him that we have had 14 consultations already since the Grenfell fire. We had 21 announcements on building safety in this Chamber before yesterday’s announcement. I say to the Secretary of State that he and his Government still have some way to go to give people confidence and to convince those people affected by unsafe cladding that there will be change.

John Healey Portrait John Healey
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My right hon. Friend anticipates the argument I was going to move on to. For such leaseholders, the situation he outlines assumes that they can sell in the first place and that the wannabe buyer can get a mortgage. Many are finding now that they are trapped in these blocks. Some of the steps the Secretary of State is now taking may help with this, but, fundamentally, there is a serious flaw in our leasehold legislation. In the particular circumstances we face here, we have the failure to match the legal responsibility that landlords or block owners have for the safety of those blocks with the financial responsibility for ensuring that they, not the leaseholders, pay for that. I have a proposal for the Secretary of State that requires Government action to deal with that problem and shall explain it in a moment.

First, though, a more general point. Since the fire, Grenfell survivors have seen three Secretaries of State and four Housing Ministers, all serious and sincere as individuals about the lessons to learn from Grenfell, but all fettered by the same flawed Conservative ideology and Government policy. They are too reluctant to take on vested interests in the property market; too unwilling to have the state act when private interests will not act in the public interest; and too resistant to legislation or regulation to require higher safety standards. Only the Government can fix the broken system of building safety. Only the Government can make good the cuts to fire services. Only the Government can renew social housing. Only the Government can make landlords meet their legal and financial obligations.

Here is a five-point plan for action for the Secretary of State. First, widen the Government-sponsored programme to cover comprehensive tests on all non-ACM cladding and publish the full results. Secondly, give councils the power to fine and take over blocks whose owners refuse to make them safe, in order to get the work done. Thirdly, pass legislation to end the injustice of flat owners paying for the costs of works simply to make their home safe, and bring in financial help for hard-pressed leaseholders billed by landlords for essential interim safety measures such as waking watches. Fourthly, set up a £1 billion fire safety fund, including to retrofit sprinklers in social housing blocks. Fifthly, establish a new national fire safety taskforce, reporting directly to the Prime Minister, responsible for auditing every high-rise and high-risk building and enforcing the replacement of all types of deadly cladding. If the Secretary of State will do that, he will have our backing.

Kevin Hollinrake Portrait Kevin Hollinrake
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The right hon. Gentleman has talked about some pretty decisive action against building owners he says will not take action to remove cladding. That is possible with a social landlord, because they have a direct connection to and responsibility for the maintenance of the building, but who is he talking about in the case of a block of leasehold apartments? The only person with a connection—the only landlord he might speak to—might be the owner of the ground rents on that property. They are technically the freeholder, but the freeholder has no maintenance responsibility whatsoever, so there is no legal action he could take to force the freeholder to take remedial action on the block.

John Healey Portrait John Healey
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That is precisely why new legislation is required to enable action where it is needed. [Interruption.] The hon. Gentleman grimaces, but I take the argument and the principle from a recommendation of the Select Committee of which he was a member, which said in a unanimous report that for privately owned residential homes, if a landlord ultimately will not keep the properties up to scratch, a local authority should have the power to take over those properties and make them good. If the principle can apply for individual properties, it can apply for tower blocks when something this serious and urgent is required.

John Healey Portrait John Healey
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I will not give way anymore; I am going to end my speech because a lot of people wish to speak in the debate.

Post election, the Government and the Prime Minister have a majority, but with that mandate comes responsibility. We in the Labour party will continue to hold the Government hard to account for their continued failings following Grenfell. More widely, I say in particular to the Grenfell survivors and the families of the victims, just as I said in the days immediately after the fire: we in the Labour party will not rest until all those who need it get a new home and long-term help; all those culpable are brought to justice; and all measures necessary are in place, so that we can, with confidence, say to people that a fire like Grenfell can never happen again in our country.

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Bob Blackman Portrait Bob Blackman
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No? The Minister shakes his head. I thought he had served on that board subsequently.

The key point I remember from serving on that body is how difficult it is, in London in particular, to deal with fires in high-rise buildings—buildings so high that the fire brigade cannot put ladders up—and with the people in those buildings and how we train firefighters to deal with that type of tragedy. We cannot replicate what our brave firefighters faced on that night in training. It cannot be done. We can try to prepare them for it and teach them what to do in certain circumstances, but replicating what they had to do and suffer is almost impossible. Training and ensuring firefighters are fit and healthy and able to cope with such conditions is obviously at the forefront of what our fire brigades have to do. As others have mentioned, we must praise the bravery of the firefighters who went into a living hell to combat the fire and get the people out from Grenfell that night.

As the hon. Member for Hammersmith mentioned, we should remember that the fire was caused by an electrical fault, which raises a question, as he said, about the testing of appliances and how we make sure they are fit for purpose. If we buy goods and services, we expect the supplier to have made sure they are safe, and if they are not, there is a liability on the suppliers and manufacturers. We should look at that issue. Another concern is the testing of wiring not just in high-rise buildings but in all buildings. I will come back to that in a moment.

As was found in the inquiry and as we heard already, there was much confusion on the night about what was going on with the fire brigade. The firefighters went into the initial flat to combat the fire, and in many ways that was routine. We should remember that it was not the first fire in Grenfell; there had been others there and in other blocks across London and up and down the country. The compartmentalisation of these units should mean that a fire is contained within the unit. Then the fire can be put out and everyone made safe. That is the fundamental point of the “stay put” policy encouraged and promoted by the fire brigade. What the fire brigade did not know was that the fire had spread to the external cladding. As those firefighters were leaving, others were trying to go in and deal with the fire that had engulfed the tower block. There were clearly confusions. We hear and read in the report, which makes horrific reading, about the circumstances of the senior officers on site, about what training they had been given and about what they could do in such circumstances. I do not criticise them, but they were clearly underprepared and ill trained to deal with the terrible tragedy that was unfolding before them.

I have had the privilege of serving on the Housing, Communities and Local Government Committee for the last nine and a half years, and we have looked at building regulations on several occasions. We have also conducted two inquiries on the Grenfell fire. Not only have I been present for the statements, urgent questions and updates that we have heard from various Secretaries of State and other Ministers, but I have had the opportunity to go through a lot of the detail that has emerged about Grenfell. The Committee made recommendations on two separate occasions, and there is clearly concern about the pace at which the Government have moved. There have been plenty of consultations, but I am concerned about the fact that they have not necessarily, at all times, moved swiftly enough. People up and down the country are still living in tower blocks with unsafe cladding, and two and a half or three years on, that is absolutely unacceptable. We must speed up the process of removing that cladding and making those blocks safe.

The Select Committee had the opportunity to interview Dame Judith Hackitt. She is an admirable individual who gives robust answers, looks at the evidence and is clearly to be respected. I welcome the fact that she will head the new regulator, because that will make a clear difference.

Changes in building regulations also need to be implemented swiftly. I welcome what the Secretary of State said about ensuring that the necessary regulations are in place, but I think that we should look again at part P, which was the subject of one of the Select Committee’s past inquiries. The regulations applying to gas fitters are stringent, but those applying to electrical fittings are very lax. People can qualify as electricians after two or three days’ training, and then conduct electrical works in both Houses, and in flats and high-rise buildings. As long as someone comes along and signs off the work, that is deemed acceptable, but in my view it is not acceptable. Most householders in this country do not understand what responsibilities they take on for electrical safety when electrical work is conducted in their own homes. I want us to look into that, because although it was not a fundamental cause of this fire, electrical work may be the fundamental cause of other fires if it is not done properly.

My right hon. Friend the Member for Maidenhead (Mrs May) put her finger on the issue of the cladding on Grenfell. The inquiry has made it clear that the cladding did not comply with building regulations, and we have found in our inquiries that that is true up and down the country. I have made this point repeatedly: if the cladding was not compliant with building regulations, someone must have signed it off as being compliant. Someone gave it approval. I am afraid that whoever gives approval for these things must be brought to account, because if they are not compliant with building regulations, someone in a position of responsibility is saying that a building is safe when clearly it is not. I do not want to go into what happened at Grenfell, because there are police inquiries and part 2 of the inquiry will continue, but clearly this is a matter of concern up and down the country.

One fundamental concern that I have is that some leaseholders and other individuals who believed they were buying a flat or other property that was perfectly safe, are now being told that they might have to pay towards removing the cladding and replacing it with a safer type. The fact is that someone, somewhere said the cladding was safe according to the building regulations—and if they did, who is responsible, and why should leaseholders be funding the work? Clearly, there is a failure of corporate governance across the piece in preventing that from happening.

Another fundamental issue is fire doors. When fire doors at Grenfell were tested originally, because there was a concern that they should be able to resist fire for 30 minutes, they actually resisted fire for 15. There is a fundamental issue, therefore, of whether such fire doors are fit for purpose. If fire doors do not keep back fire, fire will spread and people who are trying to get out of those buildings will not have time to do so safely.

When we have looked at the various building regulations and the changes that need to be made, we have been looking at them in relation to tests that have been conducted on cladding and so on. We must challenge: are those tests fit for purpose? Do they replicate a real fire, when there is fire all around, as opposed to direct contact of flame on a door or cladding? When there is fire all around, does that fire door or cladding get consumed in a way that no one envisaged in tests? I would challenge whether our tests are now fit for purpose to justify the assertion of safety for people up and down this country.

A wide variety of buildings need to have their cladding removed and made safe.

Kevin Hollinrake Portrait Kevin Hollinrake
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My hon. Friend raises the point, as did my right hon. Friend the Member for Maidenhead (Mrs May), about whether ACM cladding complied with the building regulations. He would probably agree that the evidence we have taken in the Select Committee is that the building regulations, particularly Approved Document B, are ambiguous. It is clearly set out within Government guidance that there are two ways that external walls may meet the building regulations, and one of them is that each individual component of the wall meets the required standard, but in Approved Document B it certainly appears that the required standard is a combustible standard. That is the difficulty that we are wrestling with, which might explain why so many buildings up and down the country have combustible cladding on their external surfaces.

Bob Blackman Portrait Bob Blackman
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I thank my hon. Friend, who is an expert in this field. In the previous Parliament, his expertise was much appreciated by all his fellow members on the HCLG Committee. He draws attention to a fundamental issue, which we must be cognisant of. Where there is lack of clarity or confusion, people not unreasonably ask, “What should we do? What standard do we put our buildings up at? What tests do we apply? What is reasonable?”—because everything is risk-based. We need to look at that in some detail.

In my opinion, the “stay put” policy that is implemented by both the London fire brigade and other brigades must be examined in detail. If, under compartmentalisation, a building is safe and a fire breaks out in one part of it, it is a sensible policy that the fire is eliminated in that part of the building and other people do not try to escape from the building unnecessarily. If a fire spreads from one compartment to another, that is when the building has to be evacuated straightaway. That is the examination that has to take place.

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Kevin Hollinrake Portrait Kevin Hollinrake (Thirsk and Malton) (Con)
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I pay tribute, as others have done, to the residents of Grenfell, and particularly to members of Grenfell United. They have managed not only to cope with this terrible tragedy, but to make some sense out of it afterwards and to depoliticise it. That is a lesson for this House. We should depoliticise this issue because the source of these problems is pan-governmental. We have some way to go to get this right. We have to do what is right, not just what is easy. There will be some tough challenges before we get to the bottom of this issue.

As I have said, the Secretary of State has done more than anybody else in trying to tackle this issue. Also on the Front Bench today is the former Housing Minister, my hon. Friend the Member for North West Hampshire (Kit Malthouse), who did a tremendous job in bringing forward the remediation fund, which was initially for the social element of the remediation works. We are going further all the time. I was heartened by the Secretary of State’s comments yesterday on his seven-point plan, which has taken us further in understanding that we have not got to the bottom of this issue yet; I really do not think that we have.

We all say that this terrible tragedy should never be repeated. I listened carefully to the words of my hon. Friend the Member for Watford (Dean Russell), whom I welcome to his place. If we are to make sure that this does not happen again, we absolutely must confront the lessons of this tragedy.

It is right that the Government acted in terms of a ban on combustible materials; they were very quick in doing that. The Select Committee called for it, but simultaneously the Government brought it forward. It was absolutely the right thing to do, as was the decision to replace ACM on every building—social or private—in the UK. The question now is on other combustible cladding on high-rise buildings around the country. It is difficult to challenge the findings of Sir Martin Moore-Bick in his very comprehensive report, but I think that it is ambiguous: I am not sure whether he is right in chapter 2.16, where he says that the building

“failed to comply with Requirement B4(1) of Schedule 1 to the Building Regulations”.

I shall tell Members why I think that. That is not definitive; that is why I say it is ambiguous. According to the Government’s own guidance, there are two ways to meet the requirement on fire spread—there are two ways that external walls may meet the building regulations. One is for each individual component of the wall to meet the required standard of combustibility. The guidance is in section 12.6 of approved document B, which says:

“The external surfaces of walls should meet the provisions in Diagram 40.”

If we look at diagram 40, it is clear that the standard allowed is class B, which is a combustible standard, so it is ambiguous. This answers the question of my right hon. Friend the Member for Maidenhead (Mrs May) and my hon. Friend the Member for Harrow East (Bob Blackman) as to why this happened. We have to look in detail at exactly why this happened. We cannot simply say, as advice note 14 does, that combustible materials were not allowed to go on the outside of buildings. It refers only to materials of “limited combustibility” —A2 and above. Diagram 40 refers to class B, which is clearly below A2 in terms of standard. Therefore, there is ambiguity between advice note 14 and approved document B and diagram 40.

Yes, combustible insulation is clearly banned in terms of a component test. As for cladding, there is ambiguity to say the least. Of course, on the back of advice note 14, we are saying to people who live in buildings with combustible cladding that those properties do not meet the standard, which makes them unsaleable and puts long-lease holders in this terrible situation—this invidious situation—where they are left totally in limbo. Even if that were not the case, there would be a difficulty with this. Clearly, the situation with the guidance is so serious. We recognise now that it was a mistake to allow combustible cladding on the outside of high-rise buildings. That is why the Government rightly brought forward the combustible ban. Building regulations, however, work prospectively, not retrospectively. How can we say that it is wrong to allow combustible cladding on new high-rise buildings but okay for old ones? We simply cannot countenance that, but leaseholders are being put in that situation.

People keep saying that freeholders—the building owners—must pay. However, as I have pointed out time and again, both in the Select Committee on Housing, Communities and Local Government and on the Floor of the House, while social landlords must pay, and the Government have put in some money for them, in most cases freeholders—the owners of a property’s ground rent and the ground on which the building stands—have no legal responsibility to carry out remedial maintenance work on a high-rise building. We can talk tough all we like and say, “We’re going to make them do this and make them do that”—Opposition Members have said that, and I have heard Conservative Members say it, too—but there is no legal way to do that. I do not know of a way to impose on anybody a retrospective legal requirement in a contract. It is simply not possible in our legal framework, and that leaves leaseholders in limbo.

We are going to have to look again at the issue and do something for long-lease holders, many of whom will have bought their properties on a high loan to value and who do not have the £20,000 or £30,000 to pay for the remedial work of removing combustible cladding from each flat and replacing it with limited combustibility cladding. So we will have to look at this again. I welcome the fact that the Government have said that they are looking at it again and will look at the testing. It is absolutely right that we wait to see the results of the testing on a lot of the systems—I get that. If it turns out, however, that some of the buildings are unsafe, it is absolutely right that we look again at the issue. I know we are talking about a lot of money, but to put people in a situation where they feel at risk and have a property they simply cannot sell, cannot be right. It is right that we in this place do what is right, not what is easy.