Mr. Shane O'Sullivan:

Yes, it is important. We will provide the information the Senator requested. Had it been on the template we would have been more than happy to have provided it in advance. There is an important point about the distinction between buy-to-let and home loans. We have an obligation to demonstrate sustainability and the repayment of the principal at the end of the term or the extended term is a key part of that. There is less emotion in selling a buy-to-let property at the end of the term. That is a very important distinction. There is great difficulty in selling a home loan at the age of retirement, 65 or 70 years of age. That is a very significant reason that we are very comfortable deploying interest-only solutions for a period in our buy-to-let portfolio but quite uncomfortable to deploy it en massein our home loan portfolio. Although that is not to say we would not do it where it makes sense on an exceptional basis, our default position is cautious regarding interest-only payments as a sustainable solution for the reasons that arise at the end of the term.