Mr. Richie Boucher:

If I could answer that question, to be helpful I said that the vast majority of our arrears customers are on a tracker.

I said that the average all-in cost of a tracker basis 155 points. In our accounts at the end of June, we said that the total cost of money to the bank was 161 basis points, so they are costing us money. Tracker mortgages cost us money.