Mr. David Duffy:

It depends on the mortgage, including the duration. As the Deputy will know, the loan to value ratio can vary and the amount of the mortgage can vary, depending on the person. The cost to income ratio is the best way to look at it. If one can create a low cost with sufficient margin that the cost to income ratio is in the low 40s, that allows one to generate that yield and that is what makes it attractive to investors.