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The fund that we have announced this week is for high-rise buildings, and that was on the advice of our expert panel and Dame Judith Hackitt, who has advised the Government for some time and is helping to set up the new building safety regulator. The expert advice is that height is the main factor in determining safety, but it is not the only factor, and that is why earlier in the year I set in train work on what other factors we should be taking into consideration. It is none the less the most important factor as far as we are guided by advice. For buildings below 18 metres, which will not be eligible for the fund, we will continue working with lenders and insurers to get the market working faster. The new form that has been created in partnership between the Government and the Royal Institution of Chartered Surveyors appears to be working in some cases, but not in all, and we need to make sure that that happens faster.