Mr. Jim Brown:

On the variable rate mortgages, and for that matter all our lending facilities, we look at them on a product-by-product basis and we assess the product based on the risk that we are taking, the potential credit losses and what may generate a reasonable return. Right now, our variable rate mortgages are at 4.5%. That reflects the cost of funding to the bank, the operational costs as well as any potential credit losses that come through on that portfolio. At this stage, compared with other markets, it is a reasonable spread.