Mr. Stephen Bell:

The situation is that we have had a split mortgage offer since the middle of last year. What we found is that when we laid out the economic concession side by side with the split mortgage, as members can see from the numbers, the vast majority of customers preferred the economic concession because it allowed them to pay capital down quicker. We have tried to look for other groups of customers because typically a split mortgage is more likely to be useful to those who are nearing the end of their term and we have now issued ---