Mr. Stephen Bell:

We have a split mortgage available and we have committed that the deferred portion of that split mortgage will bear zero interest. As Mr. Brown said, when we did some comparative analysis, we found the cost of a split mortgage is higher to the customer, because the total cost of credit stays outstanding for longer. We find we can bring the payment down to a lower level, which also allows the customer pay towards capital. Therefore, at an earlier stage in the process the customers become better positioned in terms of loan to value.